تحلیل کمی معیارهای انتخاب مکان دستگاه‌های خودپرداز به منظور ارزیابی بهره وری عملیاتی بانک ها

نوع مقاله : علمی پژوهشی

نویسندگان

1 دانشیار، گروه مدیریت صنعتی، دانشکده کسب و کار و اقتصاد ، دانشگاه خلیج فارس، بوشهر، ایران

2 دانشجوی دکتری، گروه مدیریت صنعتی، دانشکده کسب و کار و اقتصاد، دانشگاه خلیج فارس،بوشهر،ایران.

چکیده

مشتریان به همه تسهیلات خدماتی از قبیل فروشگاه­های بزرگ، دستگاه­های خودپرداز، پمپ بنزین و غیره نیازمندند و استفاده از این تسهیلات به صورت روزمره و جزء عادات آنها محسوب می­گردد. به اعتقاد برخی پژوهشگران در هنگام انتخاب مکان برای این تسهیلات، هدف باید حداکثر پوشش جمعیت درون شبکه باشد. هدف آغازین این پژوهش، شناسایی عوامل موثر برای انتخاب مکان مناسب برای دستگاه­های خودپرداز از طریق بازبینی پژوهش­های موجود در حوزه بانکداری و مصاحبه باخبرگان این حوزه می­باشد. همچنین در رویکرد پیشنهاد شده این پژوهش بعد از تعیین عوامل بالقوه جهت استقرار این دستگاه­ها، مهمترین عوامل موثر برای تعیین مکان دستگاه­های خودپرداز از طریق مدلسازی ریاضی مورد اولویت­بندی قرار می­گیرد. در این پژوهش 15 عامل برای تعیین مکان برای دستگاه­های خودپرداز بر اساس پیشینه پژوهش و در نهایت بر اساس نظر کارشناسان به چهار گروه عوامل پوششی، عوامل اقتصادی، عوامل رقابتی، عوامل سرمایه­گذاری-­قانونی دسته­بندی شد. همچنین براساس      وزن­های بدست آمده از مدلسازی ریاضی، عوامل پوششی با وزن 0/43 در رتبه اول و به عنوان مهمترین عامل شناسایی گردید. همچنین عوامل اقتصادی با وزن0/23 در رتبه دوم و عوامل رقابتی با وزن0/19 در رتبه سوم و عوامل سرمایه گذاری- قانونی با وزن 0/13 در رتبه چهارم قرار گرفت. همچنین نتایج حاصل از این پژوهش نشان می­دهد که هرکدام از عوامل چهارگانه تعیین شده، می­تواند اثرات متفاوتی بر روی تصمیم­گیرندگان داشته باشد. از این رو به منظور اثربخشی بیشتر، مدیران بانک­ها باید متناسب با هر عامل، تصمیمات متفاوتی اتخاذ نمایند.

کلیدواژه‌ها


عنوان مقاله [English]

Assessing Operational Efficiency of Banks via Quantitative Analysis of ATM Location Selection Criteria

نویسندگان [English]

  • Hamid Shahbandarzadeh 1
  • mohammadhossein kabgani 2
1 Associate Prof..Faculty of Business and Economics, Persian Gulf University, Bushehr, Iran
2 Ph.D. Student, Faculty of Business and Economics, Persian Gulf University, Bushehr, Iran
چکیده [English]

Customers require various service facilities including department stores, ATMs, and gas stations the use of which has become a daily routine. Some researchers believe that location choice of such facilities should be based on maximum population coverage within the network. The current research set out to identify potential factors that may bear an impact on location selection of ATM machines through exploring the existing literature on banking and interviewing experts in the field. Moreover, it aimed to prioritize the most important factors among those already specified through mathematical modeling. The findings emerging from the literature and expert review indicated 15 factors influencing ATM location decisions that were further subcategorized into four major factor sets of economic, competitive, coverage, and investment - legal. The results of mathematical modeling weighing revealed the priority of factors with Coverage, weighing 0.43, as the first and most important one followed in significance by economic factors, weighing 0.23, competitive factors, weighing 0.19, and investment - law factors, weighing 0.13. The results of this study also indicated that each of the four factors sets could impact decision-makers differently; therefore, bank managers are suggested to vary their decisions with respect to each of the factors to achieve optimal effectiveness.

کلیدواژه‌ها [English]

  • ATM Machines
  • Facilities
  • Location
  • Mathematical Modeling Prioritize
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