Core BANKING system is a fundamental solution for the centralized core  of  BANKING business, the main solution to centralize all data and critical processes. So that the changes create new services, responding to customer needs and also provides the necessary information to better manage organization in less time and with most Accuracy. But, implementation and deployment in bank faces with serious challenges.  This Thesis also outlines the dimensions and angles of the BANKING system, establish Obstacles of this system in Sepah Bank were discussed. the main obstacles classified to four financial, technological, social / cultural and managerial. And the effectiveness of each system was investigated. this research done at the 150 community levels involved in deploying a Core BANKING, including Sepah Bank, Bank Subsidiaries and contracted personnel. A questionnaire with 26 questions was distributed among 85 cases of which 60 were full questionnaire. Questions were designed on the basis of the whole five-point Likert situation. According to prove normal distribution of data T-parametric tests were used to prove the hypothesis. The results showed that technological and managerial factors in the establishment of a Core BANKING system are more effective at Sepah Bank, in priority. However, the influence of social / cultural and financial establishment of a Core system of BANKING in Bank Sepah was not proved.

Development of non-oil exports and export financing are among the most important aims of economic systems, all over the world. Besides, studying this subject becomes more important when analyzed in the context of the Islamic Holy Laws with respect to the compulsion of avoiding interest-based transactions and accomplishment of transcendental goals of the Islamic Economic System. In spite of the ability of new Islamic financial instruments to support non-oil exports and similarly, their flexibility in export financing procedures in international arena, these instruments have not received enough consideration of related authorities. While, on the other hand, the regular instruments produced by the INTEREST-FREE BANKING system, do not answer the financing system’s increasing needs. The present article will first undertake a general study of instruments common in the INTEREST-FREE BANKING system. Subsequently, while studying the inefficiency of these instruments in comparison with the potentialities of new financing instruments, it will identify a set of new Islamic instruments and methods of finance (Sukuk). Finally, in addition to explaining their essence and advantages, the way to utilize these instruments in development of exports, will be proposed.

The Art of Islamic BANKING and Finance narrates the author’ s (Yahia Abdul-Rahman) achievement in constituting an INTEREST-FREE bank in the U. S. A. As a matter of fact, he explores BANKING and finance laws and regularities in the U. S as well as the Islamic BANKING system in the world. The remarkable difference between these two kinds of BANKING systems is that the former is based on the monetary market and the latter on the real economy. In the Islamic BANKING system, the rent expense of a commodity to be financed is measured based on rules known as “ commodity indexation” and “ marking to market” . Moreover, in such a system, the interest rate of the ordinary BANKING system is substituted with the rent expense of a commodity. Thus, rent expenses are not fixed like interest rates. The prominent characteristic of an Islamic BANKING system is not only its INTEREST-FREE feature but also its civility and social responsibility. The main pitfalls of the book include a lack of comprehensive discussion and a lack of reporting the Islamic BANKING systems of other Muslim countries. Besides, no thorough analysis of BANKING system experiences has been done and has not paid attention to the critique of the Iranian BANKING system.

Mobile BANKING is the facilities which present in the most countries. This payment had being admired for its ease of use and its popular and speedy accessibility. On one hand strategic plan had been developed in private parts such as private banks that could assist them. On another hand there is a lots fear in affective of mobile BANKING services and the present of e-services to adoption of customers. In this paper، we introduce adoption in terms of usage، accessibility، speed and security. In our point of view these functional parameters depend on some individual characteristics include gender، age، income، educational degree، internet usage and attention to advertisements. The main objective of this paper was investigating the relationship between adoption of mobile BANKING services and the characteristics of customer which could help obtain potential customers. The required data for the current research have been provided through a specific questionnaire which had presented to the customer of mobile BANKING services in private BANKING in Iran and the management experiment in this scope. For discovery of relations and dominant patterns in collected data، we applied data mining techniques and specifically decision tree learning algorithms. The experimental results show that customer adoption of mobile BANKING services is strongly dependent on the degree of risk taking.

Developing policies and preventive and controlling strategies against bank crimes as well as combating those crimes, especially money laundering at international and domestic levels are essential. Accordingly, the Financial Action Task Force and even the International Settlements Bank, per these standards, rank banks and their respective styles in countries. Therefore, the present paper aimed to explain monetary and BANKING policies. We also intended to identify national strategies for BANKING crimes based on international documents. Methods: This descriptive and analytical study used library documents and resources. Results: Among all BANKING crimes strategies, repressive strategy is the most prevalent one in monetary and BANKING policymaking. Criminological studies, however, reflected that a criminal-reactive criminal policy does not help eliminate the roots of bank crimes. Conclusion: Suppressive strategy is associated with the superiority of the penal system and state accountability to BANKING crimes without changing the reference model. In Iran, it has been an adaptive strategy, i. e., not correlated with the discontinuous strategy of the active criminal policy of international documents aimed at shifting from the dominant model of government to society.

Stability is a basic requirement for the proper functioning of the BANKING system and the key to its accomplishing growth and development. Repeated failures of banks lead some economists to believe that BANKING and financial system suffer from structural problems and is in need fundamental reform.It is necessary to examine demand and investment deposits as two distinct contracts.Demand deposits are merely loans that are fully guaranteed by banks and must be returned on demand. Investment deposits are given to banks on a profit-and-loss sharing basis, That is why some economists insist on the total separation between demand and investment deposits through subjecting the former to 100 percent required reserves. Compared to conventional finance, this sounds like narrow BANKING.Narrow BANKING would improve the competitiveness of banks and makes them tend to be more market responsive.This article examines this kind of need for further BANKING reform and takes a closer look at one alternative "narrow BANKING". The article discusses the need for fundamental BANKING reform and provides an overview of narrow BANKING. Finally the author evaluates this new system.

Today, pharmacy is known as a strategic and knowledgeable industry. Stock prices are determined by the growth of future expectations, since innovation is a key to the firm growth so they can be related to each other. Using EGARCH model according to the heterogeneity variance and advantages of panel data model such as higher freedom degree, controlling the effect of removed or unrecognized variables, we are looking at the relationship between innovation and volatility of stock returns during 2011-2016. Results show that independent variables such as innovation, market volatility, exchange rate and liquidity ratio have positive effect but financial leverage has negative effect on stock return volatility as dependent variable.

Innovations in electronic BANKING in Iran have led to the development in capacities such as payment instruments and transactions by cards, which are known as electronic payment equipment in the Iranian BANKING network. Financial supervision is required to be increasingly based on reporting and regulatory processes to efficiently and proactively monitor risk and compliance at banks and financial institutions. Besides, the BANKING system needs relevant information and instruments on strategy, assessments, and policy decisions in line with the required procedure to enhance transparency. Designing a new criterion in BANKING innovations by combining the Electronic BANKING instruments, considering the Electronic BANKING capacity proper and scaled to the banks’ assets, equity and resources as well as distinguishing the impact of banks’ profitability and capital are attributed as the key contributions in this paper rather than other similar researches. Results indicate that Electronic BANKING capacities including the pin-pad, ATM, online branches, card services, and P. O. S volumes have positively and significantly influenced transparency since scales of these innovative capacities have expanded relative to the banks' assets and capital due to their contributions in the velocity and disclosure of data collection and analysis potentials. Results also denote that the state-owned banks in Iran are less transparent than private banks and the size of the bank hurts transparency. The return on equity in the form of bank ownership is multiplied as well as results also indicate that the productivity of equity returns has a positive effect on transparency. The ratio of non-interest income to total income also has a positive impact on transparency. There would be needed to provide transparent information on fee-based services to develop noninterest income. Hence, to improve transparency, the development of fee-based and nonprofit-based services are required.

One of the crucial factors affecting success of e-BANKING services is customer's trust. Acquiring customer trust depends on different variables that an e-BANKING struggles to control. This research aims to explain and clarify the inter-relationships and the interaction effects among customer's online trust and other relevant factors such as satisfaction and loyalty in e-BANKING. We developed a model of customer's trust in e-BANKING industry based on the outcomes of previous researches and semi-structured interviews with experts in e-BANKING services. To examine the model a descriptive survey was applied the survey sample population consisted of 405 randomly taken e-BANKING service users in the city of Tehran, according to a cluster random sampling skim. An important part of the results revealed Trust belieft relate directly with satisfaction and loyalty among e-BANKING customers.