A Decision-Support System for Strengthening the Banking Sector with an Emphasis on Resiliency

Document Type : Original Article


1 PhD. Student, Qom branch, Islamic Azad University, Qom, Iran.

2 Assistant Professor, Department of Accounting, Qom Branch, Islamic Azad University, Qom, Iran

3 Associate Professor, Department of Management, University of Qom, Qom, Iran.

4 Assistant Professor, Department of Accounting, Qom Branch, Islamic Azad University, Qom, Iran.

5 Assistant Professor, Department of Business Management, Kharazami University, Tehran, Iran.



Aim: Banking is one of the most influential areas in the economy in terms of financing, liquidity control, and improving the business environment. Banking has faced many restrictions in recent years. Strengthening this sector has an important role in the development of the economy. The study seeks to strengthen this area with a resilient approach. To achieve this goal, banking resilience factors have been identified and prioritized.
Methodology: This research is exploratory from the perspective of purpose and has a multi-method quantitative methodology due to the use of quantitative methods. The population of the research is experts in the banking system. The sampling method was judgmental. The sample size was 15 people. The data collection tools in this research were interviews and questionnaires. The expertise questionnaire was used to screen the factors, the Dematel questionnaire was used for the secondary screening of the factors and to determine their effectiveness, and finally, the Codas priority evaluation questionnaire was used for the final ranking of the factors. The factors of the research questionnaires were based on the review of authentic articles and interviews with experts, so the research tools had good validity. Binominal test, Dematel, and Codas were used for primary screening, secondary screening, and final prioritization, respectively.
Binominal's test is one of the non-parametric tests for factor screening, and the reason for its use is the non-normality of the research data. The Dematel is a part of structural analysis techniques, and by using it, it is possible to determine the degree of influence of factors. Codas method is one of the new distance techniques and in addition to the Euclidean distance, it also determines the Taxicob distance for each of the factors.
Findings: At first, 22 effective factors on banking resilience were identified through literature review and interviews with banking experts. The desired factors were screened using the Binominal test. 13 factors with a significance coefficient above 5% were excluded and the remaining 9 factors were analyzed using the Dematel. 5 factors were evaluated as effective. The screening of factors before the final prioritization helps the consistency of the results and the quality of the findings. Finally, the 5 factors were prioritized using the Codas.
Conclusion: Future thinking, strategic partnership with fintech and the existence of a risk analysis system have the highest priority in banking resilience. proposals were developed based on these factors. Analyzing the drivers and identifying the future scenarios of the banking sector, investing in fintech to use their capacity in research and development, and identifying and managing the future risks of the banking sector will help the resilience of the banking network.


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