Developing the strategy of Iran Zamin Bank based on digital banking

One of the dimensions of the developments of the new century is the profound changes that have taken place in the economic relations between individuals, companies and governments. In the meantime, commercial exchanges have rapidly moved out of their traditional mode, which was mainly based on paper document exchanges, and have moved to conduct exchanges through the use of electronic information-based systems, thus e-commerce with increasing speed, efficiency , Efficiency and reduction of business costs, has opened a new field in business processes.

Since e-banking is one of the achievements of e-commerce, with the growing volume of e-commerce in the world and due to the need for business to conduct banking operations to transfer financial resources, e-banking has played a very important role in e-commerce. In general, e-banking means the optimal integration of all activities of a bank through the use of new information technology based on banking processes, in accordance with the organizational structure of banks that provides the services needed by customers. This electronic banking can be defined as providing facilities for customers who can access banking services without the need for a physical presence in the bank and using secure intermediaries.

But these days, with the emergence of crises such as the spread of the Corona virus and the need to reduce physical processes in all areas, the need to develop e-banking has doubled.

The establishment of e-banking is one of the important issues that is considered as a necessity of the new banking industry today, and banks that are rapidly moving towards providing services and upgrading online services will have the opportunity to attract more customers and regions. Cover more geography to increase their credibility.

Due to the necessity and importance of paying attention to electronic banking, “Iran Zamin” Bank has developed its strategy based on digital banking for many years and has achieved countless successes in this regard.

Bank Iran Zamin provides facilities for employees to increase their speed and efficiency in providing on-site banking services as well as inter-branch and interbank processes and using advanced software and hardware technologies based on network and telecommunications The exchange of financial resources and information is done electronically so that there is no need for the physical presence of the customer in the branch, and this process allows customers to trade transactions at any time of the day (24 hours) on a secure website in a way such as retail Bank or virtual bank, financial and credit institution or construction companies.

Therefore, the customers of this bank can have many services of the branch in absentia and without time limit by using internet banking, deposit services, internal money transfer, bank intermediate money transfer, card services and check management. Autonomous devices, mobile banking applications and VTM devices are other services of Bank Iran Zamin for eliminating the need for customers to visit branches and receive remote banking services.