Oloumi Dodaran , Mina, Seyyed Jamaledeen Tabibi, Davoud Zareian, Ataolah Abtahi, and Neda Soleimani. 2026. “Design of a Comprehensive and Innovative ICT-Based Digital Banking Model for Empowering Iran’s Banking Industry”. Digital Transformation and Administration Innovation, January, 1-15. https://journaldtai.com/index.php/jdtai/article/view/194.