ABIRI , Ali; MAHMOUDZADEH VASHAN, Mehdi; HAKIMPOUR , Hossein; REZAEI FAR , Hamid. Validation of the Value-Creation-Based Smart Banking User Needs Model (Case Study: Bank Melli Iran). Journal of Management and Business Solutions, [S. l.], p. 1–15, 2026. Disponível em: https://journalmbs.com/index.php/jmbs/article/view/168.. Acesso em: 5 jun. 2026.