Document Type : Original Article
Authors
1 Payame Noor University, Western Tehran Branch, Management Department
2 Payame Noor University, Tehran
Abstract
‘Blockchain banking’ combines traditional banking features with cryptocurrency ones, which can be provided by merging ‘hybrid e-wallet’ with ‘bank account’ and ‘bank card’ - altogether as ‘crypto bank account’. The ‘hybrid e-wallet’ is a form of mobile e-wallet on blockchain that supports both cryptocurrencies and traditional currencies in the same platform by which the purchase and sale of cryptocurrencies are possible. The crypto ‘bank card’ allows customers to exchange cryptocurrencies into currencies (e.g., Euro, Dollar, etc) and spend currencies in stores and online, and withdraw funds from any ATM worldwide. Therefore, the ‘sub-processes’ of ‘blockchain banking’ as a ‘business process’ were initially extracted by means of the ‘Delphi method’ applying Parsian Bank’s experts and the ‘sequence’ (i.e. the priority) of these sub-processes was determined via the ‘analytic hierarchy process’ (AHP). And eventually, Parsian Bank's maturity levels for all sub-processes and the overall maturity level for the process of ‘blockchain banking’ were specified on the basis of the ‘Capability Maturity Model Integration’ Version 1.3 (‘CMMI’ V1.3) in order for business process management (BPM).
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