Presenting an evidence-based policy model in the field of digital banking

The existence of emerging competitors in the digital field and the increase in customer demand forces banks to find new and innovative sources, in this regard. The aim of this qualitative research is to present an evidence-based policy model in the field of digital banking. In this research, Cranholm and Gold Kohl's multiple foundation data method is used. The subjects of this research are experts in the field of digital banking who were selected using the purposeful sampling method of the theoretical sampling type. To extract the main components of the evidence-based policy model in the field of digital banking, semi-structured interviews were used and in-depth interviews were conducted with 30 experts and decision makers in the field of digital banking. In this research, 5 categories (core category, supporting platforms and formation platforms, causal conditions, obstacles and intervening conditions, results and consequences) and 25 concepts were extracted in the inductive coding stage. And then conceptual refinement, model coding (presentation of the model), theoretical adaptation of the model, experimental validation and evaluation of the theoretical coherence of the model and enrichment of the theory were described. The findings show the digital banking process does not operate in a static environment and should be dynamically or organized. Therefore, the information technology centers of the banks need to adjust the evidence-based policy model in the field of digital banking based on its characteristics and establish a feedback and evaluation system for it and use the necessary measures according to its technology level.