Platform-based banking provides opportunities for financial systems to increasing competition, stimulating a FinTech economy, and improving the availability and quality of service to the customers. Platform-based banking is a system that provides a user with a network of financial institution’s data through the use of application programming interfaces. With the help of platform banking, it is easy to show how data be created, accessed, and shared. The purpose of this paper is to provide a model of platform banking in commercial banks of Iran by benefiting banking experts. A mixed method was used in the present research including qualitative and quantitative analysis. The qualitative strategy of the present study is based on the grounded theory method, and the quantitative strategy is conducted using the structural equation model based on the Strauss and Corbin model. The main tool for collecting qualitative information was semi-structured interviews, in which the data were coded in three stages: open, axial, and selective coding. In the quantitative phase, the descriptive survey method was used to analyze and explain the proposed model through structural equations and using SmartPLS software. According to the codes which were obtained from the interviews, the 373 final codes were extracted in the form of 51 concepts, 25 sub-categories, and 6 main categories. In the quantitative part of the research, causal relationships between variables and testing the research hypotheses were performed. The findings show that the platform banking model has six components such as economic management and banking process reform, customers experience management, infrastructure engineering, and implementation mechanisms, digital strategic management of customer, and facilitate the achievement of structural productivity and digital governance in the shadow of knowledge partnerships with competing partners. Developing a model of platform banking model depends on the superior management of these components. Also, the research results indicate the confirmation of the conceptual model presented using the structural equation model. All structural model fit indices had acceptable values.

基于平台的银行业务为金融系统提供了增加竞争、刺激金融科技经济以及提高客户服务可用性和质量的机会。基于平台的银行业务是一种通过使用应用程序编程接口为用户提供金融机构数据网络的系统。借助平台银行，可以轻松展示数据的创建、访问和共享方式。本文旨在通过使银行专家受益，为伊朗商业银行提供平台银行模式。本研究采用混合方法，包括定性和定量分析。本研究的定性策略基于扎根理论方法，量化策略采用基于Strauss和Corbin模型的结构方程模型。收集定性信息的主要工具是半结构化访谈，其中数据分三个阶段编码：开放、轴向和选择性编码。在定量阶段，采用描述性调查方法，通过结构方程和SmartPLS软件对提出的模型进行分析和解释。根据访谈得到的编码，最终以51个概念、25个小类、6个大类的形式提取了373个最终编码。在研究的定量部分，进行了变量之间的因果关系和研究假设的检验。研究结果表明，平台银行模式具有经济管理与银行流程改革、客户体验管理、基础设施工程与实施机制、客户数字化战略管理等六大组成部分，促进了结构性生产力和影子数字化治理的实现。与竞争伙伴的知识伙伴关系。开发平台银行模型的模型依赖于这些组件的上级管理。此外，研究结果表明使用结构方程模型提出的概念模型得到了确认。所有结构模型拟合指数都有可接受的值。并在与竞争伙伴的知识伙伴关系的阴影下促进结构生产力和数字治理的实现。开发平台银行模型的模型依赖于这些组件的上级管理。此外，研究结果表明使用结构方程模型提出的概念模型得到了确认。所有结构模型拟合指数都有可接受的值。并在与竞争伙伴的知识伙伴关系的阴影下促进结构生产力和数字治理的实现。开发平台银行模型的模型依赖于这些组件的上级管理。此外，研究结果表明使用结构方程模型提出的概念模型得到了确认。所有结构模型拟合指数都有可接受的值。