Designing the Business Model of Qarz-Al-Hasna Digital Bank

Extensive environmental turbulence has caused various changes in economic, social and cultural fields, and has become the driver of many changes in the context of needs and preferences of customers. As an active form of Islamic banking in Iran, Qarz-Al-Hasna Banking has faced many issues and challen...

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Main Authors: Sajad Golchin, Asadollah Ganjali, Sayyed Saeed Shamsinajad
Format: Article
Language:fas
Published: Imam Sadiq University 2024-06-01
Series:تحقیقات مالی اسلامی (پیوسته)
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Online Access:https://ifr.isu.ac.ir/article_77395_fa4d3b135bbe1bb215f2eb7c6b122662.pdf
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author Sajad Golchin
Asadollah Ganjali
Sayyed Saeed Shamsinajad
author_facet Sajad Golchin
Asadollah Ganjali
Sayyed Saeed Shamsinajad
author_sort Sajad Golchin
collection DOAJ
description Extensive environmental turbulence has caused various changes in economic, social and cultural fields, and has become the driver of many changes in the context of needs and preferences of customers. As an active form of Islamic banking in Iran, Qarz-Al-Hasna Banking has faced many issues and challenges that have overshadowed its survival and competitiveness. Therefore, the aim of this research is to answer the banking needs of Qarz-Al-Hasna Bank and specifically the territory of Qarz-Al-Hasna Mehr Bank of Iran in the face of digital variables, in the form of a business model. In this regard, the method of qualitative content analysis with analogical-inductive approach has been used to analyze the data and answer the research questions. Ritter's model is the basic framework in "Designing the Business Model of Qarz-Al-Hasna Digital Bank". In the data analysis that was done using Maxqda2020 software, a total of 255 basic themes and 29 subcategories were extracted and placed under the dimensions of value proposition, customers, value demonstration and capabilities.
format Article
id doaj-art-7df95ce027f846df92f46efd460b71d9
institution Kabale University
issn 2251-8290
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language fas
publishDate 2024-06-01
publisher Imam Sadiq University
record_format Article
series تحقیقات مالی اسلامی (پیوسته)
spelling doaj-art-7df95ce027f846df92f46efd460b71d92025-01-26T16:06:06ZfasImam Sadiq Universityتحقیقات مالی اسلامی (پیوسته)2251-82902588-65842024-06-0113227732010.30497/ifr.2024.245479.186477395Designing the Business Model of Qarz-Al-Hasna Digital BankSajad Golchin0Asadollah Ganjali1Sayyed Saeed Shamsinajad2M.A. Student, Business Management, Faculty of Islamic Studies and Management, Imam Sadiq University, Tehran, IranFaculty Member, Faculty of Islamic Studies and Management, Imam Sadeq University, Tehran, IranFaculty Member, Hazrat Masoumeh University, Qom, IranExtensive environmental turbulence has caused various changes in economic, social and cultural fields, and has become the driver of many changes in the context of needs and preferences of customers. As an active form of Islamic banking in Iran, Qarz-Al-Hasna Banking has faced many issues and challenges that have overshadowed its survival and competitiveness. Therefore, the aim of this research is to answer the banking needs of Qarz-Al-Hasna Bank and specifically the territory of Qarz-Al-Hasna Mehr Bank of Iran in the face of digital variables, in the form of a business model. In this regard, the method of qualitative content analysis with analogical-inductive approach has been used to analyze the data and answer the research questions. Ritter's model is the basic framework in "Designing the Business Model of Qarz-Al-Hasna Digital Bank". In the data analysis that was done using Maxqda2020 software, a total of 255 basic themes and 29 subcategories were extracted and placed under the dimensions of value proposition, customers, value demonstration and capabilities.https://ifr.isu.ac.ir/article_77395_fa4d3b135bbe1bb215f2eb7c6b122662.pdfbusiness modelbankingdigital bankingislamic bankingqarz-al-hasnadigitalization
spellingShingle Sajad Golchin
Asadollah Ganjali
Sayyed Saeed Shamsinajad
Designing the Business Model of Qarz-Al-Hasna Digital Bank
تحقیقات مالی اسلامی (پیوسته)
business model
banking
digital banking
islamic banking
qarz-al-hasna
digitalization
title Designing the Business Model of Qarz-Al-Hasna Digital Bank
title_full Designing the Business Model of Qarz-Al-Hasna Digital Bank
title_fullStr Designing the Business Model of Qarz-Al-Hasna Digital Bank
title_full_unstemmed Designing the Business Model of Qarz-Al-Hasna Digital Bank
title_short Designing the Business Model of Qarz-Al-Hasna Digital Bank
title_sort designing the business model of qarz al hasna digital bank
topic business model
banking
digital banking
islamic banking
qarz-al-hasna
digitalization
url https://ifr.isu.ac.ir/article_77395_fa4d3b135bbe1bb215f2eb7c6b122662.pdf
work_keys_str_mv AT sajadgolchin designingthebusinessmodelofqarzalhasnadigitalbank
AT asadollahganjali designingthebusinessmodelofqarzalhasnadigitalbank
AT sayyedsaeedshamsinajad designingthebusinessmodelofqarzalhasnadigitalbank