Digital transformation is a collection of actions taken by organizations or a country to adopt new digital technologies to capture their interests and change the performance of an organization tremendously with a focus on disruptive technologies. Organizations need a clear strategy, proper organizational structure, digital capabilities, supportive organizational culture, and a balanced governance system to make the digital change. Stepping into the digital world and presenting innovative models (social media, mobile, big data, cloud computing, internet of things, artificial intelligence, fin-tech, blockchain, virtual reality, and augmented reality) give banks great opportunities to present new valuable offers, especially by combining their existing services with new digital capabilities. This study describes how to implement the digital transformation and respond to the disruption in an Iranian specialized bank (Bank Maskan), the steps, and how to go through these steps. Due to the complexity of the issues in the field of digital technologies, the Delphi method has been used to gather opinions and reach consensus among banking industry experts. In this research, we have sought to establish a clear process for the development and exploitation of innovations through new technologies and digital approaches in the bank by implementing digital transformation. In order to prepare the conditions, facilitate, and accelerate the passage of the digital transformation stages and to achieve the desired situation, a set of projects and measures have been determined. These projects are mainly about information technology and classified into three categories: infrastructure, development, and business based on the nature and level of their impact on business.

数字化转型是组织或一个国家采取的一系列行动的集合，这些活动采用新的数字技术来吸引他们的利益并极大地改变组织的绩效，重点是破坏性技术。组织需要清晰的策略，适当的组织结构，数字能力，支持性的组织文化以及平衡的治理系统才能实现数字化变革。进入数字世界并展示创新模型（社交媒体，移动，大数据，云计算，物联网，人工智能，金融科技，区块链，虚拟现实和增强现实），为银行提供了展示新的有价值的报价的绝佳机会，尤其是将其现有服务与新的数字功能结合在一起。这项研究描述了如何在伊朗的一家专业银行（Bank Maskan）中实施数字化转型并应对其破坏，步骤以及如何执行这些步骤。由于数字技术领域问题的复杂性，德尔菲方法已用于收集意见并在银行业专家之间达成共识。在这项研究中，我们力求通过实施数字化转型，通过银行中的新技术和数字方法，为开发和利用创新建立清晰的流程。为了准备条件，促进并加速数字转换阶段的通过并实现所需的情况，已确定了一系列项目和措施。