Developing A Digital Banking Framework in the Iranian Banks

Abstract

The objective of this article was to propose a framework to explore the infrastructures required to implement digital banking as previous studies have merely sufficed to introducing its different aspects. Since digital banking is viewed as the future model of banking industry and many banks around the globe are investing in the development of their digital capabilities, designing and implementing a corresponding model can result in further adaptability of banks with emerging necessities of the banking industry. Thus, this article is an effort to identify the prerequisites and facilitators of digital banking through reviewing the current literature and incorporating the views of industry experts. It is a qualitative research with the use of grounded theory, in which unstructured and semi-structures interviews were used for the purpose of data collection. The results show there are seven concepts and three key categories that should be considered in the domain of digital banking.