Development of Banking Intelligence to Improve the Financial Performance of Banks in Emerging Markets (Case Study: Banking System)

Innovation in the banking industry will lead to the development and agility of this industry.As financial markets are evolving and constantly evolving with the growth of technology and based on the age of information and communication, we have to transform banking intelligence to better adapt to such markets.However, this research was compiled with the aim of investigating the solutions for the development of banking intelligence in improving the financial performance of banks.This research is "descriptive-survey"in terms of method and"applied" in terms of purpose.The statistical population is 850 employees of National Bank of Gilan province.The samples were selected by non-random sampling of the available type, according to Morgan's table, 170 people were selected.A researcher-made questionnaire based on the Likert scale was used to collect data. Based on the results of factor analysis, three main factors were selected, the first factor explains 56.107% of the total variance and contains 11 research items and is more important in improving the bank's performance.The second factor explains 7.425% of the total variance and the 7 items located in it are of secondary importance.The third factor explains only 5.970% of the total variance and the 4 items included in it are less important than the other items. According to the study conducted in the field of development of banking intelligence, in order to improve the performance of banks, basic attention should be paid to "regulatory, neobank and recommender system, risk management, campaign design to increase customer interaction and improve banking efficiency in stabilizing the bank's position".