مقایسۀ ابعاد مدل کسب‌وکار بانکداری در ایران با مدل بانکداری جامع

نوع مقاله: مقاله علمی پژوهشی

نویسندگان

1 دانشجوی دکتری مدیریت بازرگانی دانشکدة مدیریت و حسابداری، دانشگاه علامه طباطبائی، تهران، ایران

2 دانشیار مدیریت بازرگانی دانشکدة مدیریت و حسابداری، دانشگاه علامه طباطبائی، تهران، ایران

3 استادیار مدیریت بازرگانی دانشکدة مدیریت و حسابداری، دانشگاه علامه طباطبائی، تهران، ایران

چکیده

امروزه بسیاری از بانک‌ها در حال مطالعه و استقرار راهبرد جامعی در سطح بنگاه‌های مالی هستند. سیستمی جهانی و جامع که بر عملکرد صاحبان سهام و ریسک احتمالی بازار مبتنی است. شناخت وضع موجود مدل کسب‌وکاری و همچنین شناخت مدل کسب‌وکاری ایده‌آل از نظر هر گونه تغییر در سازمان اهمیت دارد؛ بنابراین، در این تحقیق با مصاحبه با چهارده نفر از خبرگان صنعت بانکداری در ایران و بانکداری جامع و تحلیل تماتیک مصاحبه‌ها، ابعاد مدل کسب‌وکار بانکداری در ایران و بانکداری جامع مقایسه شده است. نتیجة تحلیل مصاحبه‌ها با استفاده از روش تحلیل تم نشان می‌دهد مدل بانکداری در ایران و مدل بانکداری جامع در نه بعد مدل کسب‌وکاری از جمله مشتری‌محوری در ارزش پیشنهادی، شخصی‌سازی کانال در بعد کانال‌های ارائة خدمت و افزایش تنوع در درآمدهای بانک، با یکدیگر تفاوت دارند.

کلیدواژه‌ها

موضوعات


عنوان مقاله [English]

Comparing the dimensions of banking business model in Iran with universal banking

نویسندگان [English]

  • sadegh sepandarand 1
  • Mahdi Haghighi Kaffash 2
  • Vahid Nasehifar 3
  • Vahid khasheie 3
چکیده [English]

Considering the change in structure and regulations governing banks during last two decades, rivalry among banks have been rapidly increased, and quality of services has been recognized as an important indicator of organization, banks and financial institutions performance. Meanwhile several financial institutions have tried to design a system to improve quality of their performance in long run and most of the banks are formulating or implementing a comprehensive strategy in financial corporation level. A comprehensive and global system based on stockholder's performance and market risk. In interviews with 14 experts in Iran banking industry and universal banking field we have compared the dimensions of banking business model in Iran and universal banking. Thematic analysis shows that banking model in Iran and universal banking are different in nine dimensions of their respective business models.

کلیدواژه‌ها [English]

  • Banking
  • Business model
  • Business Model dimensions
  • Universal Banking
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