چکیده:
After more than two decades of the emergence of CORE banking systems in Iran, their inefficiency and lack of accountability to the needs of the banks have become evident. Hence, modernization of CORE banking systems is one of the most serious concerns of the banks' managers. All the customers of the banks can access the services of these systems through online and 7*24 channels such as ATMs, PoS and / or Internet. Even the slightest interruption in the provision of these services can because banks face serious crises; therefore, choosing the right strategy for modernization is of utmost importance. The researcher could identify internal and external factors affecting modernization by distributing a questionnaire among banks' senior managers and experts. Afterwards, we used another questionnaire to identify internal and external factors affecting the target bank. Having formed the matrixes of IFE and EFE and completed the questionnaire, the related strengths, weaknesses, opportunities and threats were identified. Strategies were explained based on SWOT method, then the selected strategies were ranked by weighting of the indices with the help of AHP method using QSPM method. Finally, the strategy with the highest rank was determined as the most appropriate strategy for modernization in the target bank.
خلاصه ماشینی:
Weaknesses Affecting the Renovation of the Centralized Banking System in the Commercial Bank Under Study Code Title W1 Limitation in benefiting from some new banking activities and services W2 Not using a modern financial and accounting system, inconsistent information and customer credit scoring W3 Application of very old and obsolete technologies in the current centralized banking system W4 Low flexibility of the current system W5 Relatively high cost of the current system W6 Low speed and responsiveness of the current system W7 Low capabilities of the current system for upgrading W8 Low level of localization in the current system W9 High operational errors in the current system W10 Experience in managing and operating large software projects in the bank W11 Level of familiarity with standards, tools and technologies for software production and development W12 Feasibility of transferring all data of the existing system to the new system at once W13 Level of compatibility of ready-made products with the bank's needs W14 Level of familiarity of the bank body with cooperation with foreign contractors from legal, executive and technical aspects W15 Existence of suitable and sufficient human resources for implementing the project W16 High total cost of banking services in the current system W17 Level of understanding of the functions and capabilities of a comprehensive centralized banking system W18 Lack of scalability of the existing system To prepare the internal factor assessment matrix, each of these factors was assigned a coefficient from zero (unimportant) to 1 (very important) to indicate its relative importance in the success of the bank under study in the country's banking industry.
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