@article{
  author = {khalilzadeh, javad},
  title = { The role of new financial technologies in improving the efficiency and performance of banks and financial institutions. },
  journal = {Strategic studies in Business},
  year = {2025},
  volume = {2},
  issue = {4},
  pages = {66-80},
  doi = {},
  url = {https://sanad.iau.ir/fa/Article/1219166}
}