طراحی و تبیین مدل ساختاری عوامل موثر بر نوآوری مالی دیجیتالی با رویکرد مدل معادلات ساختاری

Abizadeh, A., Fathi, Z., & Minouei, M. (2022). Access Control in Financial Smart Contracts Using Digital Identity Management and Machine Learning to Facilitate Internet of Things ExchangesJO - Financial Knowledge and Securities Analysis (Financial Studies). 14(53), 111-122.

Ahmadi, F. (2024). Presenting a Localized Model of Organizational Innovation (Case Study: Companies in Ilam Industrial Park). Journal of Entrepreneurship and Innovation Research, 3(1).

AlDmour, A., Al-Dmour, R., & Rababeh, N. (2021). The Impact of Knowledge Management Practice on Digital Financial Innovation: The Role of Bank Managers. VINE Journal of Information and Knowledge Management Systems, 51(3), 492-514. https://doi.org/10.1108/VJIKMS-01-2020-0006

Ansari, A., & Ghanbarinejad Moghadam, F. (2023). Innovation Culture and Strategic Human Resource Management in the Public Sector within the Framework of Employee Ownership. First International Conference on Law, Management, Educational Sciences, Psychology, and Educational Planning Management, Tehran.

Asgharloo, S. (2022). Clarification of the Idea of Financial Innovation in the Banking System and Its Benefits. 12th International Conference on Management, Finance, Trade, Banking, Economics, and Accounting.

Aydin, S., & Dube, M. (2018). Knowledge Management, Innovation, and Competitive Advantage: Is the Relationship in the Eye of the Beholder? Knowledge Management Research and Practice, 16(3), 402-413. https://doi.org/10.1080/14778238.2018.1496564

Azizi, M., Asghari Sarem, A., & Ajali, M. (2022). The Impact of Customer-Centric Strategy with Human Resource Management Capability and Innovation on Financial Performance. Strategic Management Studies, 13(50), 149-173.

Barati, F., & Safari, K. (2022). The Impact of Knowledge Management Practices on Digital Financial Innovation Considering the Moderating Role of Managerial Characteristics in Banks Located in Shiraz. 7th National Conference on New Research in Management, Economics, and Accounting in Iran, Tehran.

Chang, L., Zhang, Q., & Liu, H. (2022). Digital finance innovation in green manufacturing: a bibliometric approach. Environmental Science and Pollution Research. https://doi.org/10.1007/s11356-021-18016-x

Ciasullo, M., Montera, R., & Ferrara, M. (2023). Digital Readiness and Resilience of Digitally Servitized Firms: A Business Model Innovation Perspective. Research and Innovation Forum 2022 Springer Proceedings in ComplexitySP - 509, 517. https://doi.org/10.1007/978-3-031-19560-0_42

Farati, H., & Mohammadian, R. (2022). Examining the Impact of Digital Organizational Culture and Digitalization Capabilities on Digital Innovation with the Mediating Role of Organizational Readiness; Case Study: Hamrah Aval Company. International Research on Accounting, Management, and Business Innovation, 5(6), 143-163.

Hussain, M., & Papastathopoulos, A. (2022). Organizational readiness for digital financial innovation and financial resilience. International Journal of Production Economics, 243, 108326. https://doi.org/10.1016/j.ijpe.2021.108326

Igder, H. (2022). The Role of Financial Innovation in Enhancing Resilience in the Banking Sector (Case Study: Bank Shahr). First International Congress on Science, Engineering, and Emerging Technologies.

Jaffar, A., Daniel, B.-L., Muhammad Asif, A., Khalid, A.-S., Ibrahim, A.-S., & Osama, A. (2024). Financial innovation and digitalization promote business growth: The interplay of green technology innovation, product market competition and firm performance Innovation and Green Development. Innovation and Green Development, 3(1). https://doi.org/10.1016/j.igd.2023.100111

Kamya. M.T.Au - Ntayi, J. M., & Ahiauzu, A. (2020). Knowledge Management and Competitive Advantage: The Interaction Effect of Market Orientation. African journal of business management, 4(14), 2971.

Kargar Shouraki, H., Mirghafouri, S. H., Soltan, A. M., & Zare, H. (2018). Foresight on the Impact of Convergent Technologies on Government Policies for Innovative Capability Creation. Innovation Management, 7(4), 135-162.

Keshavarz Shabani, B., & Loimi, L. (2022). Organizational Readiness for Digital Financial Innovation and Financial Flexibility in Export Bank Branches in Qazvin City Determining the Impact of Innovation, Risk-Taking, and Proactiveness on Financial Performance of Insurance Companies (Case Study: Iran Insurance Company Branches in Khuzestan Province). Kharazmi Higher Education Institute.

Kingiri, A. N., & Fu, X. (2020). Understanding the diffusion and adoption of digital finance innovation in emerging economies: M-Pesa money mobile transfer service in Kenya. Innovation and Development. https://doi.org/10.1080/2157930X.2019.1570695

Kraus, K., Kraus, N., & Osetskyi, V. (2020). New quality of financial institutions and business management. Baltic Journal of Economic Studies, 6(1), 59-66. https://doi.org/10.30525/2256-0742/2020-6-1-59-66

Lubawa, G. G., & Litt, V. K. D. (2025). Advancing Financial Inclusion through Digital Finance Innovations in Tanzania. https://doi.org/10.1002/9781394234035.ch14

Misati, R., Osoro, J., Odongo, M., & Abdul, F. (2022). Does digital financial innovation enhance financial deepening and growth in Kenya? International Journal of Emerging Markets. https://doi.org/10.1108/IJOEM-09-2021-1389

Mousavi Semnani, S. J., & Talebnia, G. (2024). Examining the Effect of Organizational Readiness on Financial Resilience with the Mediating Role of Digital Financial Innovation in Semnan City Municipality. Adiban Higher Education Institute, Management Group.

Naser, M., & Razavi, S. M. H. (2019). Legal Analysis of the Function of Smart Contracts in Digital Transactions in Financial Markets. Business Research Journal, 24(93), 33-70ER -.

Parker, J. A., Schoar, A., & Sun, Y. (2023). Retail financial innovation and stock market dynamics: The case of target date funds. The Journal of Finance, 78(5), 2673-2723. https://doi.org/10.1111/jofi.13258

Ramli, Y., Permana, D., Shiratina, A., Soelton, M., & Yusoff, Y. M. (2023). Implementing Innovation Strategic Against Sustainability Business On The Micro, Small And Medium Enterprises. Iccd, 5(1), 60-65. https://doi.org/10.33068/iccd.v5i1.658

Rezaei, R., & Nazari, F. (2024). Examining Influential Factors on Financial Innovation in Banks in Developing Countries. 6th International Conference on Leading Research in Management, Accounting, Banking, and Economics, Mashhad.

Salisu, A. A., Sikiru, A. A., & Omoke, P. C. (2023). COVID-19 pandemic and financial innovations. Quality & Quantity, 57(4), 3885-3904. https://doi.org/10.1007/s11135-022-01540-4

Turulja, L., & Bajgoric, N. (2018). Knowledge Acquisition, Knowledge Application, and Innovation towards the Ability to Adapt to Change. Disruptive Technology: Concepts, Methodologies, Tools, and Applications, IGI Global, 1019-1036. https://doi.org/10.4018/978-1-5225-9273-0.ch050