Document Type : Original Article


1 PhD student, Department of Industrial Management, Faculty of Economics, Management and Administrative Sciences, Semnan University, Iran

2 Professor, Department of Business Administration, Faculty of Economics, Management and Administrative Sciences, Semnan University, Iran

3 Associate Professor, Department of Industrial Management, Faculty of Economics, Management and Administrative Sciences, Semnan University, Iran


To this end, organizations are planning to enter different digital arenas and evaluation of D-Readiness for measuring their level of success is of particular importance. Determining the degree of readiness to accept, use and apply new technologies and their related applications inside and outside organizations is one of the things that is of interest and emphasis. This research examines the theoretical and experimental foundations as well as existing models related to the subject under study, while considering the strengths and weaknesses of each of them; It has presented the dimensions and components of preparation for accepting and entering the field of digital banking with a newer classification of them in the form of a dynamic model. The research method of this research is mixed (Qualitative- Quantitative) and its statistical population is the banking industry. In the qualitative phase, 15 academic and Iranian banking system experts were contacted in the form of five rounds of the Delphi panel, and as a result, the main factors of the model were calculated, extracted and finalized in the form of dimensions and components. In the quantitative phase of the research, various presuppositions in the research model for the country's banking system were tested and simulated using systems dynamics, the results of which indicate the attention and focus of the managers, policy makers and actors of the country's banking system on the main variables of the research, namely; Digital Readiness, Incentive Policies and System Quality is improvement.


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