@article{
  author = {Morovat, Amir Bahador, Nazari zadeh, Farhad, Haghiri Dehbarez, Ahmad},
  title = {Compilation of Avatar Development Roadmap in Iranian Banking with the Life Cycle Approach of System Development and Human-Computer Interaction},
  journal = {Journal of Information Systems and Telecommunication (JIST) },
  year = {2026},
  volume = {13},
  issue = {52},
  pages = {300-315},
  doi = {},
  url = {https://rimag.ir/fa/Article/49601}
}