شبیه‌سازی عوامل مؤثر بانکداری الکترونیکی بر سودآوری با رویکرد پویایی‌شناسی سیستم: مطالعه موردی بانک مسکن

Al-Ajam, A. S., & Nor, K. H. (2013). Internet Banking Adoption: Integrating Technology Acceptance Model and Trust. European Journal of Business and Management, 5(3), 207-215.

Apendi, D. A. O., Li, K., Pea-Assounga, J. B. B., & Bambi, P. D. R. (2025). Investigating the impact of e-banking, employee job security, innovativeness, and productivity on organizational performance: Perspectives from South Africa. Sustainable Futures, 9, 100605. https://doi.org/10.1016/j.sftr.2025.100605

Asadzadeh, A., & Kiani, H. (2015). The impact of Information and Communication Technology (ICT) on the profitability of selected Iranian banks. 1st International Conference on Electronic Banking and Payment Systems, Tehran.

Carranza, R., Díaz, E., Sánchez-Camacho, C., & Martín-Consuegra, D. (2021). e-Banking adoption: an opportunity for customer value co-creation. Frontiers in psychology, 11, 621248. https://doi.org/10.3389/fpsyg.2020.621248

Cui, X., & Xu, J. (2022). Understanding the E-Banking Channel Selection Behavior of Elderly Customers: A Small-World Network Perspective. Journal of Organizational and End User Computing (JOEUC), 34(6), 1-21. https://doi.org/10.4018/JOEUC.300765

Elahi, S., Ghanbari, H., & Shayan, A. (2013). Determining factors affecting the adoption of mobile banking technology by customers. Commercial Surveys(63), 27-49.

Fathima, Y. A., & Muthumani, S. (2016). User acceptance of banking technology with special reference to internet banking. Journal of Theoretical and Applied Information Technology, 73(1), 12-19.

Ghasemi, Z., Afshar Kermani, M., & Allahviranloo, T. (2021). Exploring the Main Effect of e-Banking on the Banking Industry Concentration Degree on Predicting the Future of the Banking Industry: A Case Study. Advances in Fuzzy Systems. https://doi.org/10.1155/2021/8856990

Ihsanfar, M. H., Qomiha, V., & Hasani, M. (2016). An investigation into the impact of electronic banking development on the profitability of selected Iranian banks. Business Reviews (Barresi-haye Bazargani)(71), 33-44.

Kaulu, B., Kaulu, G., & Chilongo, P. (2024). Factors influencing customers' intention to adopt e-banking: a TAM and cybercrime perspective using structural equation modelling. Journal of Money and Business, 4(1), 38-53. https://doi.org/10.1108/JMB-01-2024-0007

Keimasi, M., & Ramezani, S. (2016). Presenting a strategic model for the development of electronic banking in Iranian commercial banks. Journal of Information Technology Management, 8(1), 177-194.

Keshtgar, N., & Abbaspour, R. (2022). Investigating AI's impact on improving e-banking performance and customer acquisition. 4th International Conference on Management, Tourism & Technology, https://en.civilica.com/doc/1461075/

Liao, Y. K., Nguyen, H. L. T., Dao, T. C., Nguyen, P. T. T., & Sophea, H. (2024). The antecedents of customers' attitude and behavioral intention of using e-banking: The moderating roles of social influence and customers' traits. Journal of Financial Services Marketing, 29(3), 1037-1061. https://doi.org/10.1057/s41264-023-00254-4

Minhaj, S. M., & Khan, M. A. (2025). Dimensions of E-Banking and the Mediating Role of Customer Satisfaction: A Structural Equation Model Approach. International Journal of Business Innovation and Research, 36(1), 42-57. https://doi.org/10.1504/IJBIR.2025.143944

Mosa, R. A. (2022). The Influence of E-Customer Relationship Management on Customer Experience in E-Banking Service. Soc. Sci, 12, 193-215. https://doi.org/10.6007/IJARBSS/v12-i2/12195

Mukerjee, K. (2024). Augmented reality and customer engagement in the context of e-banking. Journal of Financial Services Marketing, 29(4), 1559-1571. https://doi.org/10.1057/s41264-024-00284-6 10.1057/s41264-024-00290-8

Nasehi Far, v., Dehdashti Shahrokh, Z., Mohammadian, M., & Allahverdi, M. (2021). The Multilevel Model of Customer Experience Management in E-Banking Services. New Marketing Research Journal, 11(2), 1-26. https://doi.org/10.22108/nmrj.2021.123556.2158

Nirmala, M. M., & Kumar, N. S. (2024). A Study on E-Banking Services and Its Growth Among the Educated Teenagers in Bangalore. In Information and Communication Technology in Technical and Vocational Education and Training for Sustainable and Equal Opportunity: Education, Sustainability and Women Empowerment (pp. 481-493). Springer Nature Singapore. https://doi.org/10.1007/978-981-99-6909-8_42

Patel, B. A., & Patel, R. (2024). Hindrance of Digital E-Banking Services: An Analytical Investigation on Cooperative Banking. Library Progress International, 44(1s), 292-303. https://bpasjournals.com/library-science/index.php/journal/article/view/792

Sandhu, S., & Arora, S. (2020). Customers' usage behaviour of e-banking services: Interplay of electronic banking and traditional banking. International Journal of Finance & Economics. https://doi.org/10.1002/ijfe.2266

Santouridis, I., & Kyritsi, M. (2014). Investigating the Determinants of Internet Banking Adoption in Greece. Procedia Economics and Finance, 9, 501-510. https://doi.org/10.1016/S2212-5671(14)00051-3

Tahtamouni, A. (2023). E-banking services and the satisfaction of customers in the Jordanian banks. Journal of Science and Technology Policy Management, 14(6), 1037-1054. https://doi.org/10.1108/JSTPM-06-2021-0082

Traore, K., & Loang, O. K. (2023). The Factors That Influence E-Banking Service Quality In Guinea's Commercial Banks. International Journal of Accounting, 8(46), 153-167.

Widayanti, A., & Alam, I. A. (2024). The Influence of E-Banking and Service Quality on Loyalty in Customers of Bank Bri Unit Bukit Kemuning Lampung Utara. Formosa Journal of Multidisciplinary Research, 3(2), 305-316. https://doi.org/10.55927/fjmr.v3i2.8262