TY  - JOUR
AU  - Khamseh, Abbas 
AU  - Hosseini Shakib, Mehrdad
AU  - Mahmoodi, َAli
TI  - Identifying social banking innovation process components with digital transformation approach by fuzzy Delphi method
JO  - Journal of Innovation and Value Creation
VL  - 12
IS  - 23
SP  - 163
EP  - 184
PY  - 2023
DO  - 
ER  -