Research Priorities of Gharz-al-Hasaneh Mehr Iran Bank

In line with supporting and promoting the culture of research and encouraging researchers and students in the fields of economics, Islamic banking, monetary and capital markets, and more — with the aim of enhancing the quality and diversifying the portfolio of services and products of Qarz-al-Hasanah Mehr Iran Bank — the Bank’s General Department of Research and Innovation has identified the Bank’s priority research topics, which are listed below. It should be noted that in addition to the stated priorities, researchers may also propose novel and practical topics aligned with the goals and mission of Mehr Bank to this department. Interested individuals may send the title of their proposed research topic to: innovationcenter@qmb.ir so that, upon approval by the Bank, the subsequent steps may be taken.

Assessment of the level of digital maturity at Qarz-al-Hasanah Mehr Iran Bank with a focus on organizational culture and customer experience
Design of a collateralization and lending mechanism based on tokenized deposits and commercial instruments within the framework of Qarz-al-Hasanah banking
Feasibility study of providing safe deposit box services using blockchain networks
Feasibility study and development of a token-based digital promissory note with traceability, transferability, and smart revocation capabilities
Design of the business model of Qarz-al-Hasanah Mehr Iran Bank in the field of digital rial acceptance with a value-creation approach
Development of a payment business model based on the national digital currency with an SME empowerment approach
Provision of a solution for implementing KYB in corporate and merchant banking
Design and development of an intelligent financial and asset management product based on analysis of banking customers’ transactional behavior
Design and development of a peer-to-peer lending-based business
Feasibility study of using factoring and debt purchase instruments in SME financing
Design of an employee behavioral model and organizational culture framework (codes of conduct) considering generational differences
Identification of the optimal digital persona for Qarz-al-Hasanah Mehr Iran Bank
Identification of suitable patterns for reengineering the processes of Qarz-al-Hasanah Mehr Iran Bank
Feasibility study and design of an operational model for collateralizing digital assets at Qarz-al-Hasanah Mehr Iran Bank
Design of a job satisfaction assessment model for employees of Qarz-al-Hasanah Mehr Iran Bank
Design of a localized customer satisfaction assessment model for Qarz-al-Hasanah Mehr Iran Bank
Design of an internal organizational communication model at Qarz-al-Hasanah Mehr Iran Bank
Simulation of the sustainability level of Qarz-al-Hasanah Mehr Iran Bank under various economic scenarios
Development of a digital transformation competency model with an emphasis on intelligence for bank branch employees