Islamic Social Banking Platform (Case of Resalat Islamic Bank)

Seyed Hossein Mirjalili, Hassan Baan, Abouzar Soroosh, M. Botshekan
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Abstract

In this paper, we examined an effective business model for the ecosystem of Islamic FinTech for Resalat Islamic Bank. The article discussed three phases of Resalat Bank development as a Platform in formulating social business models that require new value propositions, value constellations, and profit equations, and as such, resembles business model innovation. The result of the qualitative method for comparing Resalat Bank and Grameen Bank indicated that the business model of Resalat Bank is more efficient than Grameen Bank. We also discussed the challenges of transformation from the "current Islamic banking business model" to "Islamic banking as a platform" and proposes a framework for "Islamic bank as a platform" at the macro and micro levels.
伊斯兰社会银行平台(以Resalat伊斯兰银行为例)
在本文中,我们为realat伊斯兰银行研究了伊斯兰金融科技生态系统的有效商业模式。本文讨论了Resalat Bank作为平台发展的三个阶段,以制定社会商业模式,这些模式需要新的价值主张、价值星座和利润方程,因此类似于商业模式创新。定性方法对Resalat银行和格莱珉银行进行比较的结果表明,Resalat银行的商业模式比格莱珉银行更有效率。我们还讨论了从“现行伊斯兰银行业务模式”向“伊斯兰银行平台化”转型所面临的挑战,并从宏观和微观层面提出了“伊斯兰银行平台化”的框架。
本文章由计算机程序翻译,如有差异,请以英文原文为准。
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