Based on Osterwalder's Business Ontology (Case Study: Refah Kargaran Bank)

The purpose of this study is to investigate the effective factors on the implementation of the personal Banking model in Refah Kargaran Bank based on Osterwalder's Business Ontology. In this study, the relationship between the three components of the customer, financial management, infrastructure management and the proposed value of providing personal banking products and services of Refah Kargaran Bank was examined. By identifying the effective factors in the implementation these patterns based on Osterwalder and Pigneur (2004), Using the descriptive –correlation and path analysis model, the result of this study shows that there is a significant relationship between customer components, financial management and the proposed value in the personal banking business model. A significant relationship between the infrastructure management and the proposed value component was not approved