Amini, Nejat, Farzad Asayesh, and Alireza Rousta. “Explaining the Factors Influencing Value Creation in Digital Banking (Case Study: Refah Bank)”. Digital Transformation and Administration Innovation 2, no. 3 (March 19, 2025). Accessed March 28, 2025. https://journaldtai.com/index.php/jdtai/article/view/80.