@article{
  author = {Aref, Fariba, Khamseh, Abbas},
  title = { Providing a Pattern for Services Innovation Management in the Banking Industry with the Structural Equation Modeling Approach (Case Study: tourism bank) },
  journal = { Roshd -e- Fanavari},
  year = {2025},
  volume = {21},
  number = {83},
  pages = {32-42},
  doi = {10.61882/jstpi.21012.21.83.32}
}