Mohammad Reza Meigounpoory; Mehran Rezvani; Manouchehr Afshar
Volume 2, Issue 7 , July 2015, , Pages 737-748
Abstract
In today competitive world, innovation is a key factor for creating competitive advantage and even for survival of the enterprises and as a propellant for business growth and prosperity and maintain more profitability for an organization, as a result of market needs and technology push. In service organizations, ...
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In today competitive world, innovation is a key factor for creating competitive advantage and even for survival of the enterprises and as a propellant for business growth and prosperity and maintain more profitability for an organization, as a result of market needs and technology push. In service organizations, recognition of the conceptual framework of service innovation, improves performance of the Organization and creates core competencies for achieving competitive advantage through their systematic approach to service development, which is crucial for survival and maintaining competitiveness in the current financial markets. Banking systems due to the rapid global competition, the impact of structural change, deregulation effects, the use of new technologies and the increasing expectations of customers, have sought to develop and implement service innovation in their organizations. In this paper the effective factors of Service Innovation in service organizations has been introduced and case of study is Iranian Governmental Banks. Research methodology is qualitative and qualitative. Data was collected through in-depth interviews with academic experts and managers of governmental banking systems until theoretical saturation was achieved. The gathered data was analyzed using axial and open coding methods. The results show that dimensions of Service Innovation in financial service organization systems consist of six main dimensions including new service concept, new delivery system (organization), new delivery system (technological), interact with new customers, new value systems / new business partners and finally the new revenue models and 36 secondary factors. The results of this paper can be used for the understanding of service innovation for new service design and development in governmental banking system in a competitive environment at the other countries.
Mohsen Azari Aghviyeh; Gholamhossein Hosseninia; Mehran Rezvani
Volume 1, Issue 4 , November 2014, , Pages 247-263
Abstract
Insurance has always been an efficient tool in facilitating production and increasing investment through the world. Meanwhile, lack of investment has been a constant problem in the agricultural sector, as one of the most vulnerable economic sectors. Hence, insurance, as an effective tool for securing ...
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Insurance has always been an efficient tool in facilitating production and increasing investment through the world. Meanwhile, lack of investment has been a constant problem in the agricultural sector, as one of the most vulnerable economic sectors. Hence, insurance, as an effective tool for securing the return on investment, is likely to solve this problem. The current research is aimed at identifying and analyzing the role of insurance in risk management of modern agribusinesses. In order to fulfil the research objective, a mixed method research was designed and qualitative and quantitative tools were developed. In the qualitative part, the research population includes the experts of agriculture and investment in new businesses, while the population of the quantitative part is composed of greenhouse owners in Tehran province. 9 interviews were carried out in the qualitative part and data were analyzed through open and axial coding. In addition, 137 questionnaires were investigated in the quantitative part. Quantitative data were analyzed by structural equation modelling method. The results demonstrate that various types of risk, including production, market, and environmental risks have a negative effect on the insurance rate, In other words, insurance coverage decreases when risk increases, which is a rational result. Moreover, insurance has a positive effect on investment promotion and can offset the negative effect of risk and lead to an increase in investment and hence, establishment of new businesses in this field.