Daneshfar N, Rouholamini M, Kiapour A, Masoumi S. Developing a Qualitative Model of Modern Banking Service Innovation Based on Customer Knowledge Management. JDTAI. Published online July 1, 2026:1-12. Accessed February 27, 2026. https://www.journaldtai.com/index.php/jdtai/article/view/240