Presenting models of factors affecting financial innovations and stock price declines in state-owned banks

Document Type : Research Paper

Authors

1 Department of Financial, Il.C., Islamic Azad University, Ilam, Iran

2 Assistant Professor, Department of Accounting, Il.C., Islamic Azad University, Ilam, Iran.

3 Department of Management, Il.C., Islamic Azad University, Ilam, Iran.

4 Department of Accounting, Il.C., Islamic Azad University, Ilam, Iran.

5 Department of Architecture, Il.C., Islamic Azad University, Ilam, Iran.

10.30473/gaa.2025.75998.1835

Abstract

The purpose of this study was to present a model of factors affecting financial innovations to reduce the risk of stock price collapse in state-owned banks. Research was qualitative and quantitative. Research information was collected through interviews. Statistical population included experts, professors, and specialists in field of finance and managers of state-owned banks in Iran an unknown number, of which 22 people were selected until theoretical saturation was reached. Sampling method was snowball, and the interviewees were asked introduce people knowledgeable about the research topic for subsequent interviews. Primary data were collected through interviews. According methodological process, during three stages of open, axial, and selective coding, first, from a large number of types of primary data, codes related to the topic were identified; then, through continuous comparison, a concept was extracted from several codes, and other codes were also converted into concepts in the same way, resulting in 96 concepts. Although the concepts were placed in the form of a category, 24 categories were obtained for this study. Findings showed that 4 categories emerged as the central categories, including: human resource management, organizational culture, information technology infrastructure, and external financial resources. Other categories were placed five categories causal conditions, context, intervention, strategies, and consequences for presentation in visual model. Based on the indicators, components, concepts, and categories of the proposed model, a 96-question questionnaire was developed and based on the collected data, relationships of the proposed model were examined, and finally, Results showed the significance relationships and components presented model.

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Main Subjects



Articles in Press, Corrected Proof
Available Online from 24 April 2026
  • Receive Date: 02 October 2025
  • Revise Date: 22 April 2026
  • Accept Date: 23 April 2026