1.
Shabanian M, Jabbari H, Sayrani M, Ghodrati H, Esmaili Joushghani M. Designing a Qualitative Model of Barriers, Challenges, and Influencing Factors in the Implementation of Fourth-Generation Digital Banking in Iran. FWDMJ. Published online July 1, 2026:1-17. Accessed June 14, 2026. https://www.journalfwdmj.com/index.php/fwdmj/article/view/234