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Pathology of Business Model of Iranian Commercial Banks

Author

Listed:
  • Haghighi Kaffash , Mehdi

    (Allameh Tabataba’i University)

  • Moradpoor , Abbas

    (Allameh Tabataba’i University)

  • Khalilnezhad , Shahram

    (Allameh Tabataba’i University)

  • Keimasi , Masoud

    (University of Tehran)

Abstract

Despite the importance of the business model in implementing strategy, this issue is less addressed than strategy. This important issue regarding banks' business model has received less attention, and research in Iran and other countries has caused a deprivation of knowledge. In addition to the scientific pathology of the business model in Iranian commercial banks, the present article seeks to determine the weights of importance and prioritization of the main categories. It also prioritizes and determines the importance of each of the concepts of the main categories of the commercial banking business model. The research method is applied in terms of results and descriptive in terms of purpose and quantitative-qualitative from the data dimension. The research method's strategy in the qualitative part is the grounded theory, and in the quantitative part is the process of hierarchical analysis. The data analysis method in the qualitative part is the coding method, and the quantitative part is based on pairwise comparisons and incompatibility rate analysis. The research community is the experts of commercial banks, and its examples are Mellat, Tejarat, Melli, Sepah, Saderat, Shahr, Eghtesad-e-Novin, and Ayandeh banks. The sampling method is a purposeful judgment with the snowball method and data collection tools in the qualitative part of the interview and review of documents in the quantitative part of the questionnaire. The research findings led to identifying the pathology of Iranian commercial banks' business model in 7 categories and 36 concepts, which are prioritized and contributed based on the importance and role of each of them in the business model.

Suggested Citation

  • Haghighi Kaffash , Mehdi & Moradpoor , Abbas & Khalilnezhad , Shahram & Keimasi , Masoud, 2021. "Pathology of Business Model of Iranian Commercial Banks," Journal of Money and Economy, Monetary and Banking Research Institute, Central Bank of the Islamic Republic of Iran, vol. 16(3), pages 348-376, September.
    • Handle: RePEc:mbr:jmonec:v:16:y:2021:i:3:p:348-376
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    References listed on IDEAS

    as
    1. Bouwman, Harry & Nikou, Shahrokh & de Reuver, Mark, 2019. "Digitalization, business models, and SMEs: How do business model innovation practices improve performance of digitalizing SMEs?," Telecommunications Policy, Elsevier, vol. 43(9).
    Full references (including those not matched with items on IDEAS)

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    More about this item

    Keywords

    Bank; Business Model; Pathology; Hierarchical Analysis Process; Grounded Theory.;
    All these keywords.

    JEL classification:

    • C44 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Operations Research; Statistical Decision Theory
    • E50 - Macroeconomics and Monetary Economics - - Monetary Policy, Central Banking, and the Supply of Money and Credit - - - General
    • M1 - Business Administration and Business Economics; Marketing; Accounting; Personnel Economics - - Business Administration

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