TY  - JOUR
AU  - kazemi, hamidreza
AU  - hamidi, naser
AU  - hajikarimi, babak
TI  - Universal Banking Modeling  Based Staff Empowerment  
JO  - Modiriat-e- farda
VL  - 19
IS  - 63
SP  - 203
EP  - 216
PY  - 2020
DO  - 
ER  -