Introducing a New E-Banking Model Based on the Rise of FinTechs and Startups (A Case of a Private Bank In Iran)

It is now the time of moving away from traditional methods of business to technology-oriented and value-creating models. The aim of this study is to identify the affecting and affected factors by designing a new business model for banking industry, with antecedents and consequences that come out from literature, meta-synthesis, and Delphi technique by using judgments and snow bullets sampling method from the views of 17 university teachers and 17 managers of a private bank in Iran, and two-step Delphi technique was used to reach the consensus of experts. Further, to analyze data, we employed SPSS software and used W-Kendall tests. Also, we used Friedman test to ranking dimensions and indicators. Results show that according to the experts about antecedents, the structure of financial institutions is the most important factor, and then customers segmentation, financial technology developers and business environment are in the next steps. About the dimensions of E-banking model, the proposed services is the most important factor, and then customer relationship management, Infrastructure management and financial management are in the next steps. About the consequences, the business environment is the most important factors and then organizational performance and virtual banking are in the next steps.