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Effective IT governance guarantees alignment of IT with business in order to maximize benefits, achieving organizational goals and optimal use of IT resources. Therefore in industries such as banking industry due to the dependency of their activities on IT, appropriate IT governance is no longer a “nice to have”, it is a “must have”. To achieve effective IT governance, an organization needs to employ well-designed, well-understood, and transparent governance mechanisms. A complete list of 30 IT governance mechanisms categorized in 3 groups: decision making structures, alignment processes and relational mechanisms were synthesized through the literature review and using the Qualitative Meta-Synthesis Methodology. In the next step, a group of domain experts were requested to modify the list to the specific characteristics of Iranian banking industry and as a final outcome, a list of 26 mechanisms for effective IT governance in Iranian banking industry was obtained. Then, designed and validated questionnaire of field studies was distributed among IT managers of 25 banks. The collected data were analyzed via statistical tests. Results indicated 12 mechanisms are strongly deployed among which the existence of an IT strategy committee, IT project steering committee, IT project tracking (time and budget control) and Motivation and incentive to follow the principles of IT governance have positive impact on effective IT governance in Iranian banking industry.    

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In E-commerce and wireless communication technologies, location-based services are one of the most valuable processes. Using this services in the banking industry, in addition to providing customized banking services to customers, will bring infinite benefits for banks. However, due to the new emergence of this technology and possible obstacles ahead, it is essential to be paid to the issue of acceptance of this services in the banking industry. The aim of this study is presenting a model for acceptance of location-based services to Iranian banks. For this purpose, according to the Unified Theory of Acceptance and Use of Technology, a comprehensive model has been developed to identify effective factors on the acceptance of location-based services in Iranian banks and has been tested utilizes structural equation modeling, in the community of banks customers in Tehran. After analyzing the results, the main research hypotheses were confirmed and the effective factors on acceptance of location-based services in Iranian banks, including performance expectancy, effort expectancy, facilitating conditions, social influences, privacy concerns, confidence, perceived risk, and willingness to innovation. According to the findings, gender and age is not involved in the acceptance of the banking location-based services, but the educational degree is effective on intend to use this services.

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The advent of new technologies is constantly evolving in today's societies, while information technology is the most effective of these activities. Since information technology can have a devastating impact on the environment, protecting the environment from these threats has added to the concerns of organizations, and as a result, the Green IT debate has become a topic of the day. Different models and methods have been used to explain the various dimensions of the maturity of green information. In this research, a dynamic model was developed to examine the relationship between components and determine the appropriate strategy to reduce energy consumption and thus increase the maturity level of green information technology in the organization. Since the banking industry is closely related to information technology, all Iranian banks have been investigated in this study. First, various components influencing the maturity of green information technology have been identified and their initial level and factors influencing their increase or decrease have been determined, then Causal loop and Stock and flow diagrams are illustrated to explain their relationships. In this regard, variables related to human factors and factors related to technology have been investigated. In the end, after testing and simulating a dynamic model, several scenarios have been proposed to improve the situation in the banking industry and to reach the highest level of maturity of green information technology. Keywords: Green Information Technology, Green Technology Maturity, System Dynamics, Banking Industry

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The weak axiom of profit maximization (WAPM) is used to analyze the optimization behavior of 18 Iranian banks within 10 years (2000-2009). In general the banks in the Iranian economy can be divided into 2 groups, state and privately owned banks. Nonparametric nature of this test allows us to study the profit maximization behavior of the firms without the need for any assumption on functional form of underlying technology. The WAPM is checked under 2 assumptions: constant technology and nonregressive technological change. Although most of the banks violate the deterministic WAPM test, testing the stochastic WAPM with measurement error and believing in existence of at least 1 percent measurement error in data, show the behavior of the privately owned banks and one of the state owned banks is consistent with WAPM under nonregressive technological change assumption. Although the behavior of the state owned banks is consistent as well if one believes in 5 percent measurement error, the difference leads to this conclusion that performance of the state development policies and objectives by the state owned banks has been deviated from profit maximization behavior.

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In the present article the aim is provide a model of market orientation in the banking industry services. In this regard, studies in the field of market orientation and its antecedents, outcomes and related variables been investigated and presented from various articles have been extracted. In this study, in addition of organizational level of market orientation, individual level has been also studied and identify its antecedents. Researchers have extensively studied the antecedents and consequences of market orientation and its related factors in the organization, next Delphi method used to identify the internal and external antecedents that articles and studies in the past have not been tested and evaluated them. 24 people from academia, researchers and experts in the banking industry in this study had a total collaboration. Overall, the Delphi method, after four-step has led to the consensus of the participants. The study results provide a qualitative model includes antecedents of market orientation and environmental factors affecting the relationship between market orientation and performance.

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The costs of retaining an existing customer are one fifth of the costs of acquiring a new customer for a firm. This statement is considered as a predominant notion in marketing. According to this notion, existing customers switching of a firm leads to create lots of costs for that firm. Therefore, the present study has been conducted with the aim of finding the causes of the switching intentions and influential factors on the customers switching intentions in Iran Banking Industry.
This study is a descriptive-survey research carried out on Iran Banking Industry. 397 customers from five selected banks in Tehran were chosen for this research. In order to examine and analyze the [R1] data, Structural Equation Modeling (SEM), Confirmatory Factor Analysis (CFA) and one-way Analysis of Variance (ANOVA) have been used.
“Satisfaction”, “trust”, “loyalty” and “switching barriers” are considered as the main factors weakening “switching intention”. The findings confirmed that the variables of satisfaction, trust and loyalty have significant negative impacts on the switching intention, but the impact of the switching barriers on the switching intention in Iran banking was not significant. The present research has been conducted only on banking services industry and only in Tehran which reduces the generalizing effect of the study. Moreover, quantitative analysis methods were used in order to evaluate the subjective factors such as customer switching behavior.
 
 



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Entrepreneurial attitude of Entrepreneurs are an important component of human capital that acts as a context for decision-making processes and is shaped by individual preferences for independence, risk-taking and the implementation of new ideas, among other aspects that lead to entrepreneurial behaviors. In this research, with focusing on explaining the role of educational programs on entrepreneurial attitude of banking industry employees, we seek to identify the factors influencing those attitudes. This study is applied research and in terms of data collection is descriptive-correlation.The data were collected using a researcher-made questionnaire and Proportional stratified samplingmethod among the employees of Tejarat Bank branches in Tehran. Data analysis was done using the structural equation modeling approach. Cronbach's alpha for all constructs was higher than 0.7, average extracted variance was higher than 0.5, and construct validity and reliability were confirmed. According to the results, training programs in the organization have a positive impact on the entrepreneurial attitude of individuals. The combination of the characteristics of the training team in the organization has the most impact on the entrepreneurial attitude. Therefore, in the banking industry, training programs with strong training teams are expected to achieve better results.