TY  - JOUR
AU  - Morovat, Amir Bahador
AU  - Nazari zadeh, Farhad
AU  - Haghiri Dehbarez, Ahmad
TI  - Compilation of Avatar Development Roadmap in Iranian Banking with the Life Cycle Approach of System Development and Human-Computer Interaction
JO  - Journal of Information Systems and Telecommunication (JIST) 
VL  - 13
IS  - 52
SP  - 300
EP  - 315
PY  - 2026
DO  - 
ER  -