Technology

Opening a digital account

The first encounter of customers with the bank is when opening an account. Before the majority of banking activities became internet and this topic became widespread, account opening took place in person at bank branches. But today, people can apply for an account in the desired bank through the banks' system or website. This method no longer has the limitations of the past and people can become bank customers simply by completing a series of forms.
According to research carried out by several banks and financial institutions, the result is that these institutions attach great importance to opening a digital account, this will attract more customers due to the increased facilitation of the account opening process and the removal of previous obstacles.​​​​

In electronic banking, service delivery robots, which are among the main banking technology tools, are always responsive to their customers. As a result of this digital platform, an interaction between the bank and the clients is formed. These robots, which are designed and built based on artificial intelligence technology, guide users in registering and completing forms.​​​​​​

Chatbots

P2P payment

Peer-to-peer (p2p) exchange is a process in which a user can transfer money from his bank account to another bank account online or through digital platforms and only by having a mobile phone. After the addition of this technology to the banking industry, economic transactions have grown significantly. Users were able to perform transactions wherever they are without the least loss of time. It can be said that this innovation alone covered a large part of the path of growth and development of electronic banking. Card by card, purchase of charge and payment of bills are among the transactions that can be done easily with this method.​​​​​​

Giving digital loans

Loans are always one of the most important topics of banks. Currently, with the changes that have been made in the banking system, the way of lending has undergone a series of changes.
Granting a loan has special conditions, that's why lending in the digital platform is generally more difficult and with a higher risk. Loans are effective in attracting customers and increasing investment, and in this regard, banks are trying to move toward attracting as much capital as possible by reducing obstacles.
The noteworthy point is that despite the attention of all banks and financial-credit institutions to digital lending, as well as the attraction and participation of most investors so far, except for a few institutions; No effective action has been taken in this regard.

عباس نوری زاده با سمت: رئیس هیئت مدیره به نمایندگی شرکت کارت ایران
تحصیلات: دکتری مدیریت کارآفرینی فناورانه
تاریخ عضویت در هیئت مدیره: 1404/11/29
سابقه کاری: 

محمدتقی صالح ابوالقاسمی با سمت: سرپرست شرکت توسعه فناوری اطلاعات خوارزمی
تحصیلات: دانش آموخته رشته حقوق خصوصی
تاریخ انتصاب :   1404/12/04
سابقه کاری: مدیرعامل و نایب‌رئیس هیأت‌مدیره شرکت تجارت گستران خوارزمی، مدیرعامل و نایب‌رئیس هیأت‌مدیره شرکت تحقیق و گسترش صنایع معدنی پارس‌کانی، ریاست هیأت‌مدیره شرکت ماهور مس، ریاست هیأت‌مدیره شرکت توسعه پیشتازان فناوری طلا، از مدیران باسابقه در حوزه‌های بانکی، فناوری اطلاعات و بازرگانی به شمار می‌رود. ​​​​​​​

سید صابر امامی با سمت: عضو هیئت مدیره به نمایندگی از شرکت پیشگامان فناوری های نوین صاد (سهامی خاص)
تحصیلات: دانشجوی دکترای کار آفرینی گرایش بین الملل (در مرحله دفاع از رساله)
تاریخ عضویت در هیئت مدیره: 1401/06/06
سابقه کاری: مدیر عامل و نائب رئیس هیئت مدیره هلدینگ سرمایه گذاری فناوری عصر امین کار آفرین (1400)، مدیر عامل و نائب رئیس هیئت مدیره هلدینگ گسترش الکترونیک مبین ایران (1399)، مشاور
رئیس سازمان نظام صنفی رایانه ای استان تهران (1399)، رئیس کمیسیون خدمات محتوایی و ارزش افزوده نظام صنفی رایانه ای استان تهران (1397)، نائب رئیس کمیسیون فناوری اطلاعات و ارتباطات اتاق مشترک بازرگانی ایران و عراق (1397) و ...

حمید رجبی با سمت: عضو هیئت‌‌مدیره به نمایندگی از شرکت داده پردازی خوارزمی (سهامی خاص)
تحصیلات: کارشناسی ارشد مدیریت فناوری اطلاعات
تاریخ عضویت در هیئت مدیره: 1403/04/16
سابقه کاری: رئیس اداره کل سامانه‌های عملیات بانکی بانک صادرات ایران، رئیس اداره کل مهندسی نرم‌افزار بانک صادرات ایران، رئیس اداره کل انفورماتیک بانک صادرات ایران و رئیس اداره کل تحقیقات و برنامه‌ریزی بانک صادرات ایران

محمد تقی واقف با سمت: عضو هیات مدیره به نمایندگی از شرکت فناوری و راه حل های هوشمند سپهر
تحصیلات: کارشناس ارشد مهندسی صنایع
تاریخ عضویت در هیئت مدیره: 1404/06/08
سابقه کاری: هیئت مدیره شرکت تجارت الکترونیک پارسیان 1381، مدیر عامل شرکت کاسپین 1382، هیئت مدیره داده پردازی ایران 1388، مدیرپروژه شرکت ملی انفورماتیک ۱۳۸۹(نظام های ملی پرداخت)، مدیرعامل کارت اعتباری ایران کیش 1390، قائم مقام معاونت فن آوری اطلاعات ۱۳۹۴(بانک مرکزی جمهوری اسلامی ایران)، هیئت مدیره خدمات انفورماتیک نوین کیش ۱۳۹۶

Mohammad Taghi Saleh Abolghasemi, Position: Acting Managing Director of Kharazmi Information Technology Development Company
Education: Graduated in private law
Appointment Date: July 3, 2025
Work Experience:
CEO & Vice Chairman of the Board of Directors of Tejarat Gostaran Kharazmi Company
CEO & Vice Chairman of the Board of Directors of Research & Development of Pars Kani Mineral Industries Company
Chairman of the Board of Directors of Mahour Mes Company
Chairman of the Board of Directors of Pishtazan Fanavari Tala Development Company
He is regarded as an experienced executive in the fields of banking, information technology, and commerce.
Hamid Rajabi, Position: Board Member, Representing Kharazmi Data Processing Company (Private JSC)
Education: Master of Science in Information Technology Management
Appointment Date: July 7, 2024
Work Experience: Director General of Banking Operations Systems at Bank Saderat Iran, Director General of Software Engineering at Bank Saderat Iran, Director General of Informatics at Bank Saderat Iran, Director General of Research & Planning at Bank Saderat Iran
Mohammad Taghi Saleh Abolghasemi, Position: Chairman of the Board of Directors, Representing Iran Card Company
Education: PhD in Technological Entrepreneurship Management
Appointment Date: February 17, 2026
Work Experience:
Mohammad Hossein Khorouti, Position: Vice Chairman of the Board of Directors, Representing Algorithm Data & Artificial Intelligence Company (Private JSC)
Education: PhD in Business Management – Commercial Policy Making
Appointment Date: August 31, 2024
Work Experience: Chairman of the Board & Deputy Director of Management Development at Chabok Nasl Smart Services Company
Board Member at Aysan Lotus Mobile Services Company
CEO Advisor at Dade Varzi Sadad (Melli Bank)
CEO Advisor at Behpardakht Mellat (Bank Mellat)
Inspection Manager at Didar Iranian Development Company (Bank Day)
Regional Manager (Kish Island) at Isaco Kish (Iran Khodro)
and more ...
Mohammad Taghi Vaghef, Position: Board Member, Representing Sepehr Smart Technologies & Solutions Company
Education: Master of Science in Industrial Engineering
Appointment Date: August 30, 2025
Work Experience: Board Member – Parsian E-Commerce Company (2002), CEO – Caspian Company (2003), Board Member – Iran Data Processing Company (2009), Project Manager of National Payment Systems – National Informatics Corporation (2010), CEO – Iran Kish Credit Card Company (2011), Deputy to the Vice President for Information Technology – Central Bank of the Islamic Republic of Iran (2015), Board Member – Novin Kish Informatics Services Company (2017)
Seyyed Saber Emami, Position: Board Member, Representing Sad Pioneers of Modern Technologies Company (Private JSC)
Education: PhD Candidate in Entrepreneurship – International Entrepreneurship (Dissertation Defense Stage)
Appointment Date: August 28, 2022
Work Experience: CEO & Vice Chairman of the Board – Asr Amin Karafarin Technology Investment Holding (2021), CEO & Vice Chairman of the Board – Mobin Iran Electronic Development Holding (2020), Advisor to the President – Tehran Province Computer Trade Organization (2020), Chairman of the Content & Value-Added Services Commission – Tehran Province Computer Trade Organization (2018), Vice Chairman of the ICT Commission – Joint Chamber of Commerce of Iran and Iraq (2018)
and more ...

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