Journal of value creating in Business Management

Designing an indigenous managerial model of the Central Bank’s digital supervision for forward-looking policymaking in Iran’s banking system

Document Type : Original Article (Qualitative)

Authors

Hamzeh Zohrabi 1
ALI RAEIS POOR 2
Seyedaliakbar Ahmadi 3

1 Department of Public Administration, Ki.C., Islamic Azad University, Kish, Iran

2 Department of Public Administration,Ramh.C,Islamic Azad University,Ramhormoz,Iran.

3 Professor, Department of Public Administration, Payame_ Noor University, Tehran, Iran

https://doi.org/10.22034/jvcbm.2026.578837.1723
Abstract
The aim of this study is to design an indigenous managerial model of the Central Bank’s digital supervision for forward‑looking policymaking in Iran’s banking system. This research adopts a qualitative descriptive–exploratory approach to examine the experiences and perspectives of experts. The study population consists of 20 senior managers from the Central Bank, state‑owned and private banks, as well as fintech specialists, who were selected through purposive sampling. Data were collected through semi‑structured interviews. The data were analyzed using MAXQDA software.The results revealed 184 initial codes, which were categorized into 42 sub‑themes and three main dimensions: (1) structural dimensions, (2) process dimensions, and (3) human dimensions. The findings indicate that the proposed model has the potential to reduce systemic risks by 40 percent and is compatible with Iran’s domestic conditions, including international sanctions and geopolitical tensions. This study addresses the existing gap in localized digital supervision models and offers practical recommendations such as the approval of the CBDC regulatory bill and the implementation of annual training programs by the Central Bank of Iran (CBI). Ultimately, the proposed model provides a strategic framework for forward‑looking policymaking in Iran’s banking system and contributes to enhancing financial sustainability and digital innovation.

Keywords

Banking Supervision
Electronic Banking
Structural Dimensions
Process Dimensions
Human Dimensions
Central Bank of Iran

Subjects

  • Receive Date 12 January 2026
  • Revise Date 26 February 2026
  • Accept Date 30 March 2026

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