Análisis temático sobre un modelo de implementación de banca abierta y tecnológica en bancos comerciales de Irán

• Mohammad Bagher Arayesh Universidad Islámica de Azad
• Mostafa Rezaeirad Universidad de Hamedan, Hamedan, Irán
• Mohammad Aidi Universidad de Ilam, Irán.
• Tohfeh Ghobadi Lamoki Universidad Islámica Azad, Hamedan, Irán.

DOI: https://doi.org/10.46925//rdluz.32.25

Palabras clave: Apertura bancaria; Análisis Temático; Implementación; Bancos Comerciales de Irán

Resumen

El propósito de este estudio fue el análisis temático sobre un modelo de implementación de banca abierta y tecnológica en los bancos comerciales de Irán. Es un estudio aplicado; en términos de método, cualitativo; y en términos de filosofía de la investigación, es un tipo de investigación de interpretación. Para analizar los datos de las entrevistas semiestructuradas se ha utilizado un análisis temático. La población de este estudio incluyó a 20 personas conocedoras (expertos en banca y profesores universitarios en el campo de la temática de banca abierta, así como textos apropiados para la extracción de indicadores). En esta investigación se utilizó un enfoque de bola de nieve para seleccionar muestras. Como estándar para el final de muestreo, se utiliza el método de saturación temática. Los temas se obtuvieron utilizando las dos fuentes de literatura teórica y entrevistas semiestructuradas. El resultado del análisis de datos cualitativos llevó a identificar 25 temas básicos, 6 temas organizativos y finalmente 4 temas contextuales incluyendo productividad y gobernanza digital a la sombra del conocimiento, alianzas con socios competidores, gestión de la experiencia de los clientes, gestión estratégica digital de la gestión económica y de clientes, y reforma de los procesos bancarios, todo ello presentado en forma de modelo. Finalmente, se hicieron sugerencias en esta área basado en los resultados.

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