Document Type : Original Article
Authors
1 National Research Institute for Science Policy
2 TOSE'E TA'AVON Bank
Abstract
Nowadays, with the extensive growth of information technology and e-commerce, the use of electronic banking tools in various businesses has increased significantly. At the same time, considering the current problems of the country, such as inflation, unemployment, government budget deficit, etc., banks feel the need for banking business models in order to finance themselves. In this regard, the aim of the upcoming article is to develop a business model for the TOSE'E TA'AVON Bank in line with its digital banking. For that we interviewed fifteen managers and experts familiar with the Bank and digital banking. We then analyzed the thematic interviews, to extract the dimensions of the banking business model of the TOSE'E TA'AVON Bank. For the dimensions of the business model, 216 final codes were obtained through open coding, and 34 concepts were obtained by examining the identified codes and intra-case and inter-case analysis. These concepts expressed the 6 main dimensions of the Bank's business model in line with digital transformation. Finally, some suggestions were presented to operationalize the proposed model in TOSE'E TA'AVON Bank.
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