A. Faramarzi, M. . Beheshtifar, and M. . Ziaaddini, “Designing an Optimal Model of Core Competencies for Employees in Public and Private Banks Using the Fuzzy Delphi Method”, FWDMJ, vol. 2, no. 4, pp. 65–77, Dec. 2024, Accessed: Feb. 04, 2026. [Online]. Available: https://journalfwdmj.com/index.php/fwdmj/article/view/54