BAZYAR, A. The dynamics of digital banking adoption: Insights from Iran’s context on marketing strategies and personal competence. Annals of Management and Organization Research, [S. l.], v. 5, n. 4, p. 271–284, 2024. DOI: 10.35912/amor.v5i4.2003. Disponível em: https://goodwoodpub.com/index.php/amor/article/view/2003. Acesso em: 15 jul. 2025.