%0 Journal Article %A Khamseh, Abbas , Hosseini Shakib, Mehrdad, Mahmoodi, َAli %T Identifying social banking innovation process components with digital transformation approach by fuzzy Delphi method %J Journal of Innovation and Value Creation %V 12 %N 23 %P 163-184 %D 2023 %R %U https://rimag.ir/fa/Article/39117