M. . Ghorsi, J. Beikzad, F. . Nezhadirani, and Y. . Dadashkarimi, “Validation of the Service Innovation Model in the Agricultural Bank”, JMBS, vol. 3, no. 1, pp. 1–17, Jan. 2025, Accessed: Dec. 01, 2025. [Online]. Available: https://journalmbs.com/index.php/jmbs/article/view/78