maryam jalaly

This research has characterized to analyze private banking situation. New phenomenon in our country's banking economy has been studied with pathological approach, after reviewing literature and theoretical background. This paper is applicable from the aspect of purpose and is descriptive-survey from the aspect of identity. In order to collect required data, interview and open questionnaire methods have been applied. Statistical population includes banking managers and active experts in this scope. In order to analyze data, qualitative methodology and Delphi technique have been used. In this process, Affinity Diagram approach is also utilized. Regarding the results, 27 cases of barriers of private banking development identified and classified into 3 classes named executive-structured, perceptual-cognitive and unwillingness barriers. It is necessary to mention that five factors including governmental banking, shortage of facilities, financial resource shortages, human resource shortages, lack of comprehensive talent identification system and economic instability are identified as the main barriers.

customer value proposition One of the key factors in achieving a sustainable competitive advantage in today''s world of market-driven and customer-focused and the way a firm differentiates itself from its competitors and is the reason why customers buy from a certain firm; thus، The aim of the present study is to identify the effective factors in forming value proposition in clothing industry. Through the review of the research literature and also through polls، the effective factors were primarily identified، and then in the second phase، the main objective of the study was fulfilled using field research methods. In order to achieve this goal، customer Pol Clothing Group in Yazd was selected as the target population. Sampling method is Simple Random Sampling، 384 people choosing and finally 200 questionnaires were collected According to the model designed for the analysis، the effective factors on value proposition are price، partnership، availability، selection and quality. Also it was concluded that among the minor components، only being memorable، meaningful and lovely (about the brand) do not have any effects in forming value proposition. The results also showed that there is a significant difference between the effective factors in forming value proposition in terms of the intensity of the effect (s). In this respect، the factors are classified in three categories according to the intensity of the effect. Hence، price، availability، Brand Loyalty، Brand Knowledge and selection are in the first category. Also price، functionality، availability، Brand Knowledge and selection are placed in the second category، and partnership and quality are in the third category. Finally، some suggestions are presented in order to optimize the level of customers'' value proposition

The comprehensive assessment model considers the financial and non-financial aspects as balanced scorecard. Also, for more comprehensive results of the investigation, four aspects of the balanced scorecard were used and then by using fuzzy Delphi technique and expert's opinions, the standard aspects of each were achieved in two stages. To determine the importance of each aspect of BSC, the process of fuzzy hierarchical analysis was employed. The results showed that among the four aspects of balanced scorecard, the financial index has the greatest significance, the customer index is in second place, and the third place belongs to growth and learning, and internal processes are in fourth place. In the next stage, the companies studied in the previous level were ranked by fuzzy VIKOR technique according to the indices. The results reveal that company A has the best performance among the ten companies from the perspective of four indices.