@article{
  author = {Khamseh, Abbas , Hosseini Shakib, Mehrdad, Mahmoodi, َAli},
  title = {Identifying social banking innovation process components with digital transformation approach by fuzzy Delphi method},
  journal = {Journal of Innovation and Value Creation},
  year = {2023},
  volume = {12},
  number = {23},
  pages = {163-184},
  doi = {}
}