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

Zohrabi, Hamzeh; RAEIS POOR, ALI; Ahmadi, Seyedaliakbar

doi:10.22034/jvcbm.2026.578837.1723

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

Business Management

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