SHABANIAN , Mostafa; JABBARI, Hossein; SAYRANI , Mohammad; GHODRATI , Hasan; ESMAILI JOUSHGHANI , Mohammad. Designing a Qualitative Model of Barriers, Challenges, and Influencing Factors in the Implementation of Fourth-Generation Digital Banking in Iran. Future of Work and Digital Management Journal, [S. l.], p. 1–17, 2026. Disponível em: https://www.journalfwdmj.com/index.php/fwdmj/article/view/234. Acesso em: 1 nov. 2026.