Journal of Intelligent Financial Management

Journal of Intelligent Financial Management

Designing a desirable governance model for financial stability and resilience of the banking network in curbing inflation and managing economic crises

Document Type : Original Article

Authors
Zahra Kahnouji 1
Hossein yakhkeshi 2
Abolfazl Hamidi Moghadam 3
Elie Moghimikhorasani 4
1 Master's degree, Department of Accounting, Ray Branch, Payam Noor University, Tehran, Iran
2 Master of Public Administration, Tarbiat modares university, Tehran, Iran
3 Master of Accounting, Shahid Bahonar University, Kerman, Iran
4 Instructor, Department of Management, Payam Noor University, Tehran, Iran(Coresponding autour)
10.25843/JIFM.2025.8563.29809
Abstract
The importance of resilience in the banking system is greater than in other areas. Banks have a high impact and effectiveness role in tensions and chaos. The aim of the present study was to design a desirable governance model for financial stability and resilience of the banking network in curbing inflation and managing economic crises. This research is exploratory in terms of purpose and qualitative in terms of approach. Considering the intended goals, semi-structured and in-depth interviews and literature review were used to collect data. This research was conducted in four stages: 1- First, with a qualitative approach and in order to analyze the data, the content analysis technique was used using MaxQDA software. 2- Based on the Delphi method to confirm and reach a consensus on the components, the factors extracted from the content analysis section were submitted to the judgment of experts through the Delphi questionnaire, and in this stage, the initial research model was obtained. 3- In order to obtain the final research model, structural-interpretive modeling was carried out using MATLAB software. 4- In order to validate the final model obtained, structural equation modeling was carried out using SmartPLS software. The findings included 29 basic themes, 11 organizing themes, and 1 comprehensive theme obtained from 106 open codes. The organizing themes included secure technological infrastructure, human resource management, financial and structural frameworks, changeability and agility, recovery capability, risk management and business continuity, transparency and accountability, adaptation and continuous improvement, digital governance, cyber governance, and macro governance, which were finally determined by interpretive structural modeling of relationships and levels of variables. The results of the research can be well applied and help in the field of financial and banking ecosystem resilience against cyber threats and crises.
Keywords
Financial and banking ecosystem resilience
cyber threats
crisis
desirable governance
Subjects
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Journal of Intelligent Financial Management
Volume 2, Issue 2 - Serial Number 6
Summer 2026
Pages 219-244