M. . Oloumi Dodaran, S. J. Tabibi, D. . Zareian, A. . Abtahi, and N. Soleimani, “Design of a Comprehensive and innovative ICT-Based Digital Banking Model for Empowering Iran’s Banking Industry”, JDTAI, pp. 1–15, Jan. 2026, Accessed: Sep. 15, 2025. [Online]. Available: https://journaldtai.com/index.php/jdtai/article/view/194