Presentation and Explaining a Model of Digital Corporate Banking (Case Study: Tejarat, Mellat and Ayandeh)

Digital technology began the reconstruction of micro-banking structures many years ago, but much later it changed corporate banking, and the digital transformation finally came to corporate banking; Therefore, the purpose of this research was to design and explain a model of digital corporate banking using a mixed approach. The sample size of the research in the qualitative section was selected after interviewing the 15th expert (participants were selected based on the criteria of work experience in the field of digital banking with the position of manager in the country's commercial banks and scientific expertise in banking). . In a small part of the statistical population, 210 managers with postgraduate education were Tejarat, Mellat and Ayandeh banks who were selected using the Cochran's formula and the random method of 136 classes. Qualitative section data were analyzed using content analysis approach and quantitative section data were analyzed using structural equation modeling based on partial least squares. In the qualitative part, in environmental factors, 4 comprehensive themes, individual factors, 3 comprehensive themes and organizational factors, 14 comprehensive themes have been extracted. The overarching themes identified in this study are skills and ability, brand management, business model, competition, customer relationship management, customers, demographic factors, digital payment, digital attitude, digital corporate banking, business environment, financial management, human resource management, Integrated infrastructure, marketing, mobile, organizational structure, organizational culture, organizational learning, rules and regulations, risk management and excellent management, and in a small part of the findings of structural equation modeling, has confirmed the model designed in this study.