@article{
  author = {kazemi, hamidreza, hamidi, naser, hajikarimi, babak},
  title = {Universal Banking Modeling  Based Staff Empowerment  },
  journal = {Modiriat-e- farda},
  year = {2020},
  volume = {19},
  issue = {63},
  pages = {203-216},
  doi = {},
  url = {https://rimag.ir/fa/Article/26768}
}