چکیده:
Today, many banks are studying and implementing a comprehensive strategy at the level of financial institutions. A global and comprehensive system based on shareholder performance and potential market risk. Understanding the current state of the business model and also understanding the ideal business model in terms of any changes in the organization is important; Therefore, in this research, by interviewing fourteen experts in the banking industry in Iran and comprehensive banking and thematic analysis of the interviews, the dimensions of the banking business model in Iran and comprehensive banking have been compared. The result of the interview analysis using thematic analysis method shows that the banking model in Iran and the comprehensive banking model differ in nine dimensions of the business model, including customer orientation in the value proposition, personalization of the channel in the service delivery channels dimension, and increased diversity in bank revenues.
خلاصه ماشینی:
The result of the interview analysis using the thematic analysis method shows that the banking model in Iran and the universal banking model differ in nine dimensions of the business model, including customer focus in the value proposition, personalization of the channel in the service delivery channel dimension, and increased diversity in bank revenues.
According to the research of theorists such as Akerlof (1970), Diamond (1984), and Stiglitz (1985; 1992), some of the characteristics of institutions related to the operations of classic universal banks, such as their approximately large size, equity ownership in customers, and especially their presence in the decision-making body of non-bank enterprises, can be considered as tools to reduce information asymmetry and improve the efficiency of financial intermediation (Tilly, 1998).
List of Authors in the Field of Business Models Authors Afuah & Tucci, 2003 Alt & Zimmerman, 2001 Amit & Zott, 2001 Applegate, 2001 Chesbrough & Rosenblum, 2000 Gorjin, 2002 Hamel, 2000 Linder & Cantrell, 2000 Magretta, 2002 Mahadavan, 2000 Petrovic, Kittl & Texten, 2001 Rappa, 2001 Stahler, 2002 Teece, Pisano & Shuen, 2000 Timmers, 2000 Wil & Vital, 2001 Source: Patel (2002) Research Method The main objective of this research is to describe the dimensions of banking business models in Iran and the universal banking model.
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