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 [Internet]. 2026 Jul. 1 [cited 2026 Jun. 14];:1-17. Available from: https://journalfwdmj.com/index.php/fwdmj/article/view/234