The aim of the present study is to develop a qualitative model of innovative modern banking services based on Customer Knowledge Management (CKM). In terms of purpose, the study is applied–developmental, and with respect to its methodological approach, it adopts a qualitative design using thematic analysis, consistent with its exploratory nature.To collect and select relevant scholarly literature, major academic databases including Scopus, Web of Science, and Google Scholar were utilized. In the initial stage, an extensive search across these databases resulted in the identification of 198 articles. Following a rigorous screening of titles, abstracts, and keywords, 32 eligible articles were selected for coding and qualitative analysis. The data analysis process was conducted using MAXQDA software through systematic coding procedures and theme extraction.The findings of the thematic analysis revealed that the qualitative model of innovative modern banking services grounded in Customer Knowledge Management is structured around five key components: (1) intelligent technological infrastructures and capabilities; (2) customer knowledge management processes; (3) innovation in the design and delivery of banking services; (4) value co-creation and knowledge-based customer interactions; and (5) environmental dynamics and institutional requirements of banking innovation.These components interact synergistically to provide an integrated framework for the development of banking service innovation. The proposed model offers a practical foundation for banking managers and decision-makers seeking to enhance customer experience, strengthen competitive advantage, and achieve sustainable innovation.