%0 Journal Article %A Morovat, Amir Bahador, Nazari zadeh, Farhad, Haghiri Dehbarez, Ahmad %T Compilation of Avatar Development Roadmap in Iranian Banking with the Life Cycle Approach of System Development and Human-Computer Interaction %J Journal of Information Systems and Telecommunication (JIST) %V 13 %N 52 %P 300-315 %D 2026 %R %U https://rimag.ir/fa/Article/49601