Moral hazard is considered a form of financial misconduct and typically arises when individuals or stakeholders within a bank transfer the real consequences of their decisions and the associated risks to the organization . In the banking system, such a situation may lead to the inefficient allocation of financial resources and the granting of loans to applicants lacking creditworthiness. In contrast, the proper allocation of these resources to productive economic activities can play a significant role in strengthening economic growth and development. Considering the significant impact of moral hazards on the stability and efficiency of banks, as well as the absence of a clear framework for identifying them, the present study aims to develop a comprehensive model for determining moral hazards in banks. In terms of purpose, this research is classified as a developmental study and is conducted using a qualitative research approach. Among qualitative research methods, the meta‑synthesis method was employed. To achieve the research objectives, studies published over a 30‑year period (1996–2025) were examined. Initially, 168 articles were identified, and after the screening and evaluation process, 58 articles that met the required criteria were selected and analyzed using the Sandelowski and Barroso meta‑synthesis method. The findings indicate that the dimensions of the moral hazard model in banks can be categorized into three main dimensions: structural characteristics of the firm, supervisory and corporate governance characteristics, and behavioral and motivational characteristics of managers. Overall, the results led to the identification of 43 indicators within 10 components and 3 main dimensions for determining the model of moral hazards in banks. Finally, the Shannon entropy method was used to determine the extent to which previous research findings support the results obtained in the present study.