Digital Transformation and Administration Innovation

This study aims to validate a banking service redundancy model for Sepah Bank to assess the impact of redundant banking services on operational efficiency, customer experience, and technological integration. The research employs a mixed-methods approach, integrating both qualitative and quantitative analyses. The qualitative phase involves a meta-synthesis of existing literature on banking service redundancy, digital banking optimization, and financial risk management. The quantitative phase utilizes survey data collected from 384 Sepah Bank customers and experts in banking service management. Structural equation modeling (SEM) and statistical validation techniques, including Cronbach’s Alpha, composite reliability, average variance extracted (AVE), and Fornell-Larcker criteria, are used to measure construct validity and reliability. Additionally, R² values, effect size (f²), and predictive relevance (Q²) are analyzed to assess the structural model's fit. The results indicate that excessive banking service redundancy leads to operational inefficiencies, increased costs, and diminished customer satisfaction. The structural model analysis revealed a strong R² value (0.996) for banking service redundancy, confirming the robustness of the validation model. The impact of redundancy on customer experience was found to be significant, aligning with prior studies on digital banking efficiency. Moreover, security redundancies, though necessary for regulatory compliance, were identified as a source of usability challenges. The study also highlights the role of AI and data analytics in optimizing banking service redundancy while maintaining regulatory and operational requirements. The study underscores the necessity of a structured validation framework to manage banking service redundancy effectively. Financial institutions must differentiate between operational redundancies that hinder efficiency and regulatory redundancies that are required for compliance. Leveraging AI-driven automation and predictive analytics can help banks streamline redundant services while maintaining security and customer satisfaction. The findings contribute to the broader discourse on digital banking optimization and offer practical insights for financial institutions seeking to enhance operational resilience and service efficiency.

Development diplomacy, as a strategic tool in international relations, plays a significant role in promoting international cooperation, reducing inequalities, and achieving sustainable development goals. This study was conducted with the aim of proposing a framework for development diplomacy policy. The research method is qualitative and based on a systematic literature review. Out of 210 articles examined, 23 were ultimately selected for final analysis after several stages of screening. This study offers a framework for development diplomacy policy that identifies the antecedents, strategies, outcomes, and intervening conditions in the development diplomacy process. It addresses various dimensions of development diplomacy, including environmental diplomacy, public diplomacy, economic diplomacy, and bilateral and multilateral diplomacy. The internal factors influencing development diplomacy include security, economic and soft power, political stability, corporate social responsibility, government-business relations, and leadership styles. International factors also play a crucial role in shaping development diplomacy. These include geopolitical policies, foreign direct investment, foreign policy interests, diplomatic relations, and international relations. As a key instrument of foreign policy, development diplomacy encompasses a wide range of activities, including environmental diplomacy, public diplomacy, economic diplomacy, and development cooperation. Strategies of development diplomacy are generally categorized into five types: political, economic, social, environmental, and technological. Moreover, the outcomes of development diplomacy are extensive and may lead to improvements in global image, creation of development opportunities, structural development, economic growth, national competitiveness, capital enhancement, and knowledge transfer. In addition, internal and external intervening conditions influence the success of development diplomacy. Political and economic conditions, national reputation, governance, the global economy, and economic sanctions are among these conditions.

The aim of this study is to design a transformational leadership model with a focus on increasing productivity and preventing elitism through a qualitative method. In this regard, using qualitative methodology and conducting interviews, we identified the components and indicators of the transformational leadership model with a productivity enhancement and anti-elitism approach at Bank Melli Iran. The study population included experts, bank managers, professionals, and also university professors specializing in transformational leadership. The sample size was determined to be 10 individuals using the snowball sampling method and theoretical saturation. Data collection was conducted through interviews, carried out by experts using the Delphi technique. For data analysis, MAXQDA software was employed. The results of the coding process identified 8 components and 72 indicators. Furthermore, the results indicated that the components of the transformational leadership model with a productivity enhancement and anti-elitism approach include: (1) strategic leadership thinking, (2) motivation for transformation and innovation, (3) creation of organizational opportunities, (4) an appropriate organizational environment, (5) support for talents and provision of resources, (6) skills, expertise, and competencies, (7) interaction and participation with employees, and (8) organizational transformational leadership. Among the most important identified indicators are the creation of an appropriate learning environment, satisfaction of employees’ job needs and group organization, opportunity creation, increasing production and innovation opportunities, training, provision of necessary resources for employees and motivation generation, support for professionals and elite human resource talents, the quality of relationships, and the creation of opportunities for interaction with employees.

The objective of this study was to design a digital marketing maturity model with a corporate social responsibility approach in the automotive industry, with a focus on Modiran Khodro Company. Using the thematic analysis method, this study identified and categorized the key components of the digital marketing maturity model. The results indicated that this model consists of six main categories: development of organizational capabilities and culture, digital technology and innovation, corporate social responsibility and sustainability in digital marketing, responsible digital marketing strategy and vision, data management and marketing intelligence, and customer interaction and engagement in digital platforms. These components highlight the importance of aligning modern digital technologies with corporate social responsibility values to achieve sustainable and effective marketing. The findings also align with previous research in the field of digital marketing and corporate social responsibility and provide a practical framework for companies operating in the automotive industry. This study assists managers and decision-makers in evaluating their level of digital maturity and formulating responsible strategies to enhance customer engagement, build trust, and promote sustainable development.

The present study aims to propose a paradigmatic model of organizational citizenship behavior in Bank Maskan, emphasizing organizational communication. This research was conducted using a mixed-methods approach. In the qualitative section, grounded theory was employed, while in the quantitative section, structural equation modeling was utilized. The statistical population in the qualitative phase comprised 16 experts and stakeholders in the management of Bank Maskan in Tehran, who were selected using the snowball sampling method until theoretical saturation was reached. Semi-structured interviews were conducted with these participants. Data analysis was performed in three stages: open coding, axial coding, and selective coding, based on which the qualitative research model was designed. In the quantitative section, a total of 384 researcher-designed questionnaires were distributed among employees, with their validity and reliability confirmed. The research findings identified 284 open codes, 94 subcategories or concepts, and 6 overarching categories: causal conditions (strategic changes, organizational leadership, organizational development-oriented attitudes); central category (effective leadership, internal communication, individual-level characteristics); strategies (utilization of information technology, training and education, encouragement of cooperation and interaction, promotion of organizational values, community orientation); intervening conditions (lack of use of domestic social platforms, value changes, collective capital, deficiencies in internal communication, lack of training and education); contextual factors (individual characteristics of organizational followers, information and communication technology, policies and procedures); and outcomes (motivation and drive, organizational trust, employee performance, social, organizational, and individual dimensions).

The present study aims to propose a value creation model in digital banking. This study employs a mixed-methods approach (qualitative and quantitative). The qualitative phase's statistical population consisted of 15 university professors, managers, and experts in digital banking, who were selected using purposive sampling. In the quantitative phase, the statistical population included managers and experts of Refah Bank in Tehran. The sample size for the quantitative phase was determined as 235 individuals using Cochran's formula. Data collection in the qualitative phase was conducted through semi-structured interviews based on theoretical foundations, and the reliability of this phase was confirmed using Cohen's kappa coefficient. In the quantitative phase, a questionnaire and simple random sampling method were used to collect data. The reliability of the questionnaire was assessed using Cronbach’s alpha. The qualitative data were analyzed using thematic analysis, while in the quantitative phase, descriptive statistics, exploratory factor analysis, and confirmatory factor analysis were applied. The results of thematic analysis identified 292 codes, 64 themes categorized into 18 basic themes, and 4 organizing themes. The findings indicated that the factors influencing value creation in digital banking include customer digital experience management, which encompasses user-friendly design, ease of use, creation of a unique experience, monitoring customer digital experience, and applying technology in experience management. Digital co-creation consists of direct digital feedback, indirect digital feedback, customer digital participation, and digital interaction with customers. Digital service management includes digital service customization, management of digital concerns, service delivery management, service quality improvement, digital service diversity, customer support and training, and a digital value-creating mindset. Digital value management involves monetary value, non-monetary value, informational value, relational value, and hedonic value. The results of confirmatory factor analysis further validated the model derived from the literature review.

Given the emergence of revenue diversification and the level of investment in various economic sectors, the liquidity entering the market has increased, ultimately leading to a rise in inflation rates. The proportion of independent board members can be considered one of the influential factors in establishing a balance between revenue diversification and the expansion of banking activities. The objective of this study is to examine the impact of revenue diversification on risk management and financial returns in electronic banking. This research is a library-based and analytical-causal study, utilizing panel data analysis. The financial information of ten banks listed on the Tehran Stock Exchange was analyzed over the period from 2016 to 2021 (60 bank-years). The findings indicate that revenue diversification significantly affects banks' risk levels and financial returns. Therefore, based on the research findings, an increase in the level and extent of revenue diversification can have significant implications for investors' decision-making.

Given the rapid advancements in the digital world, information and communication technology (ICT) transformations have become a key factor in the structural changes across various industries. In this context, the utilization of modern technologies and digital transformation management has emerged as a strategic approach to addressing challenges and barriers to production. The present study aimed to propose a model for overcoming production barriers based on digital transformations. This research is applied in its objective and qualitative in its methodology. The statistical population consisted of documents related to overcoming production barriers through digital transformations over the past 15 years, from which 35 documents were selected using purposive sampling. Data collection was conducted through note-taking from documents, with validity confirmed via triangulation and reliability assessed using Cohen’s kappa coefficient, yielding a reliability score of 86.9%. Data analysis was performed using thematic analysis through three types of coding: open, axial, and selective. The findings identified 116 basic themes, 24 organizing themes, and 9 overarching themes for the model of overcoming production barriers based on digital transformations. These overarching themes included educational leadership based on perception and cognition, planning and goal setting, optimization of digital processes, interactions based on digital transformation, dynamic transformation indicators, characteristics of a digital organization, goal articulation, organizational agility, and the development of digital transformation models. Ultimately, the model for overcoming production barriers based on digital transformations was formulated. The results of this study indicate that digital transformations can serve as a powerful tool for overcoming production barriers. The nine overarching themes identified in this research clearly demonstrate that digital transformations can reduce production barriers and existing challenges in the state banking system by enhancing efficiency, improving services, and optimizing processes.