2025/07/17 by Safa Bakhsh, Morteza, Ahmadi Sharif, Mahmoud, Nematizadeh, Sina +1
#Banking Industry #Construct #Credit Risk Management #Strategic Knowledge Management
paper · doi:10.57647/j.amc.2025.090106
Updating banking structures is a fundamental factor for the continuity and success of banks, influenced by technological advancements, regulatory changes, and the evolving needs of customers. Therefore, this study aims to identify and explain the constructs of credit risk management and strategic knowledge management approaches, analyzing their relationship in optimizing banking management processes. To achieve this objective, the researcher adopted a qualitative approach and employed the meta-synthesis method, which is a systematic analysis technique for integrating diverse research evidence. Academic papers from various databases, including Web of Science, Scopus, and EBSCO, were reviewed using specific search engines and relevant keywords. After an initial screening process and following the PRISMA statement, 39 relevant and high-quality studies were selected for final analysis. Subsequently, thematic analysis was used to process the extracted data. In this method, the researcher first coded the data and identified key concepts. These concepts were then categorized at different levels of abstraction, resulting in 150 conceptual codes, which were grouped into 15 components and five main constructs. These constructs include risk identification and analysis, model development and optimization, compliance and adaptation to standards, data and information management, and performance evaluation and monitoring. Findings indicate that leveraging knowledge-based strategies can effectively assist banks in identifying, assessing, and managing credit risks. The study concludes that developing knowledge-driven management models is essential for enhancing banks’ performance in response to economic and financial challenges. This research contributes to filling existing gaps in the academic literature and offers practical solutions for the banking industry.