@article{
  author = {Fegh-hi farahmand,  Naser, Amini, Behrouz, Iranzadeh , Soliman},
  title = {Testing the Conceptual Model of Factors Affecting the Development of Service Innovation in the Banking Industry (Case Study: Bank Mellat, East Azerbaijan Province)},
  journal = {Modiriat-e- farda},
  year = {2023},
  volume = {21},
  number = {71},
  pages = {55-72},
  doi = {}
}