Abedi , Akbar, Farhad Hanifi, and Mirfeiz Fallah Shams. “Identification and Prioritization of Factors Affecting Digital Financial Innovation Using the Structural Equation Modeling Approach”. Journal of Resource Management and Decision Engineering 4, no. 3 (September 1, 2025): 1–15. Accessed October 7, 2025. https://journalrmde.com/index.php/jrmde/article/view/129.