@article{
  author = {Emami, Latif, Namamian, Farshid},
  title = {Identify Factors Affecting the Development of Electronic Banking (using the Delphi technique)},
  journal = {Journal of Development & Evolution Mnagement},
  year = {2018},
  volume = {9},
  number = {0},
  pages = {131-140},
  doi = {}
}