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.

حسین طاهباز توکلی با سمت: رئیس هیئت مدیره به نمایندگی از شرکت سرمایه گذاریگروه مالی سپهر صادرات (سهامی عام)
تحصیلات: دکترای کامپیوتر 1394/06/24
سابقه کاری: مشاور دبیر کل، نهاد کتابخانه های عمومی کشور، عضو هیئت مدیره شرکت داده پردازی ایران، مدیر عامل و عضو هیئت مدیره شرکت گسترش انفورماتیک، رئیس هیئت مدیره شرکت افرانت، عضو هیئت عامل شرکت خدمات ماشین های محاسب، عضو هیئت مدیره خدمات بورس شرکت خدمات بورس

محمد علی بخشی زاده با سمت: نائب رئیس هیئت مدیره به نمایندگی از شرکت آرمان توسعه مهر خوارزمی (سهامی خاص)
تحصیلات: مهندسی کامپیوتر گرایش سخت افزار دانشگاه آزاد اسلامی، کارشناسی ارشد مدیریت فناوری اطلاعات دانشگاه پیام نور تهران، دکترای مدیریت عالی کسب و کار دانشگاه شهید بهشتی
تاریخ عضویت در هیئت مدیره: 1401/05/24
سابقه کاری: قائم مقام هولدینگ فناوری اطلاعات بانک
صادرات(صاد)1399/01/10(ادامه دارد)، مدیر پروژه نئو بانک صادرات 1400/07/01 (ادامه دارد)، دبیر کمیته فنی و سرمایه گذاری هلدینگ صاد، عضو هیئت مدیره شرکت راهکارهای هوشمند سپهر بانک صادرات، عضو کمیته عالی فناوری اطلاعات بانک دی 1401/09/01 (ادامه دارد) و ...​​​​​​​​​​​​​​

علی چهارلنگی با سمت: عضو هیئت مدیره و مدیر عامل به نمایندگی از شرکت فناوری راه حل های هوشمند سپهر(سهامی خاص)
تحصیلات: دکترای مدیریت عالی راهبردی کسب و کار
تاریخ عضویت در هیئت مدیره: 1401/06/06
سابقه کاری: رئیس هیات مدیره شرکت رایانه خدمات امید، مدیرعامل شرکت فن آوران اطلاعات انصار، رئیس هیأت مدیره شرکت توسعه فن آوری و تجارت حکمت، معاون فناوری اطلاعات بانک حکمت، معاون فناوری اطلاعات بانک سرمایه، معاون فناوری اطلاعات بانک تجارت، رییس هیأت مدیره شرکت کارت اعتباری ایران کیش، مدیرعامل شرکت دیدگاهان سیستم ​​​​​​​

سید صابر امامی با سمت: عضو هیئت مدیره به نمایندگی از شرکت کارت ایران (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 ...

Hossein Tahbaz Tavakoli with the position: Chairman of the Board of Directors on behalf of Sepehr Saderat Financial Group Investment Company (public shares)
Education: PhD in Computer Science 06/24/2014
Work Experience: Advisor to the Secretary General, Public Libraries Institution, Member of the Board of Directors of Iran Data Processing Company, Managing Director and
Member of the Board of Directors of the Informatics Development Company, Chairman of the Board of Directors of Efront Company, Member of the Board of Directors of the Computing Machine Services Company, Member of the Board of Directors of Services Stock exchange service company

Mohammad Ali Bakshizadeh with the position: Vice Chairman of the Board of Directors on behalf of Mehr Kharazmi Arman Development Company (private equity)
Education: computer engineering, hardware major, Islamic Azad University, master's degree in information technology management, Payam Noor University, Tehran, doctorate in business management, Shahid Beheshti University
Date of joining the board of directors: 05/24/1401
​​​​​​​Work Experience: Deputy Director of Saderat Bank Information Technology Holding (SAD) 01/10/2019 (continued), Director of the Neo Bank Saderat Project 07/01/1400 (continued), Secretary of the Technical and Investment Committee of Saderat Holding, Member of the Board of Directors Sepehr Bank Saderat Smart Solutions Company, a member of the High Information Technology Committee of Bank D 1401/09/01 (continues) and...​​​​​​​

Ali Chaharlangi with the position: Member of the Board of Directors and Managing Director on behalf of Sepehr Smart Solutions Technology Company (Special Shares)
Education: Doctorate in high strategic business management
Date of joining the board of directors: 06/06/1401
Work Experience: Chairman of the Board of Directors of Omid Services Computer Company, CEO of Ansar Technology and Technology Development Company, Chairman of the Board of Directors of Hikmat Technology and Tejarat Development Company, Vice President of Information Technology of Hikmat Bank, Vice President of Information Technology of Capital Bank, Vice President of Information Technology of Tejarat Bank, Chairman of the Board of Directors of Iran Kish Credit Card Company, CEO of Visionan System Company

Seyed Saber Emami with the position: Member of the Board of Directors on behalf of Iran Card Company (Private Shares)
Education: Ph.D. student of international entrepreneurship (in the thesis defense phase)
Date of joining the board of directors: 06/06/1401
Work Experience: Managing Director and Vice Chairman of the Board of Directors of Asr Amin Kar Afarin Technology Investment
Holding (1399), Managing Director and Deputy Chairman of the Board of Directors of Mobein Electronics Holding of Iran (2019), Advisor to the Chairman of the Computer Trade Union Organization of Tehran Province (2019). , the head of content services and added value commission of the computer trade union system of Tehran province (2017), the deputy head of the information and communication technology commission of Iran-Iraq joint chamber of commerce (2017) and...​​​​​​​

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