توسعه هوش مصنوعی در مسیر خدمات مالی بانک‌ها؛ یک مطالعه کیفی در عراق

Al-Dosari, K., Fetais, N., & Kucukvar, M. (2024). Artificial intelligence and cyber defense system for banking industry: A qualitative study of AI applications and challenges. Cybernetics and Systems, 55(2), 302-330. https://doi.org/10.1080/01969722.2023.2166251

Alnaser, F. M., Rahi, S., Alghizzawi, M., & Ngah, A. H. (2023). Does artificial intelligence (AI) boost digital banking user satisfaction? Integration of expectation confirmation model and antecedents of artificial intelligence enabled digital banking. Heliyon, 9(8), e18930. https://doi.org/10.1016/j.heliyon.2023.e18930

Biallas, M., & O'Neill, F. (2020). Artificial intelligence innovation in financial services.

Burley, S. K., Bhikadiya, C., Bi, C., Bittrich, S., Chao, H., Chen, L., & Zardecki, C. (2023). RCSB Protein Data Bank (RCSB.org): Delivery of experimentally-determined PDB structures alongside one million computed structure models of proteins from artificial intelligence/machine learning. Nucleic Acids Research, 51(D1), D488-D508. https://doi.org/10.1093/nar/gkac993

Hashemi Jouybari, S. R., Hosseini, S. M., & Abedi, H. (2025). An Integrated Framework of Artificial Intelligence and Blockchain for Enhancing Transparency and Efficiency in Financial Reporting and Auditing of Islamic Banks in the Digital Economy Context.

Hentzen, J. K., Hoffmann, A., Dolan, R., & Pala, E. (2022). Artificial intelligence in customer-facing financial services: A systematic literature review and agenda for future research. International Journal of Bank Marketing, 40(6), 1299-1336. https://doi.org/10.1108/IJBM-09-2021-0417

Jalali Filshour, M., Alizadeh, H., & Shahryari, S. (2025). Presenting a value co-creation model in banking and insurance with an emphasis on artificial intelligence tools and using a hybrid approach. 31st National Conference and 12th International Conference on Insurance and Development: Public Satisfaction and Trust in the Insurance Industry,

Karimi Kasbi, R., & Mousavi, S. S. (2024). Exploring the Foundations for Implementing Artificial Intelligence in the Banking Industry of Iran. Proceedings of the First National Conference on Accounting and Business Management in the Digital World, Qaenat.

Manta, A. G., Bădîrcea, R. M., Doran, N. M., Badareu, G., Gherțescu, C., & Popescu, J. (2024). Industry 4.0 transformation: Analysing the impact of artificial intelligence on the banking sector through bibliometric trends. Electronics, 13(9), 1693. https://doi.org/10.3390/electronics13091693

Marvat, A. B., Nazari Zadeh, F., & Haghighi Dehbaraz, A. (2024). The Future of Artificial Intelligence in the Banking Industry by 2031: A Case Study of a Public Bank in Iran. Strategic Financial and Banking Studies, 2(2), 84-97. https://www.journal-fbs.com/article_196212.html

Maseke, B. F. (2024). The transformative power of artificial intelligence in banking client service. South Asian Journal of Social Studies and Economics, 21(3), 93-105. https://doi.org/10.9734/sajsse/2024/v21i3787

Nasr Esfahani, M., Ghaemi Asl, M., Montazer, R., & Esmaeili, M. (2025). The role of artificial intelligence enabling capabilities in enhancing supervisory performance of Iran's banking system. Country Studies, 3(4), 713–753. https://doi.org/10.22059/jcountst.2025.388154.1218

Noreen, U., Shafique, A., Ahmed, Z., & Ashfaq, M. (2023). Banking 4.0: Artificial intelligence (AI) in banking industry & consumer's perspective. Sustainability, 15(4), 3682. https://doi.org/10.3390/su15043682

Polireddi, N. S. A. (2024). An effective role of artificial intelligence and machine learning in banking sector. Measurement: Sensors, 33, 101135. https://doi.org/10.1016/j.measen.2024.101135

Rabbani, M. R., Lutfi, A., Ashraf, M. A., Nawaz, N., & Ahmad Watto, W. (2023). Role of artificial intelligence in moderating the innovative financial process of the banking sector: A research based on structural equation modeling. Frontiers in Environmental Science, 10, 978691. https://doi.org/10.3389/fenvs.2022.978691

Rahman, M., Ming, T. H., Baigh, T. A., & Sarker, M. (2023). Adoption of artificial intelligence in banking services: An empirical analysis. International Journal of Emerging Markets, 18(10), 4270-4300. https://doi.org/10.1108/IJOEM-06-2022-0939

Saberian Jahromi, A. (2024). Investigating the Impact of Artificial Intelligence in the Banking Sector. Ninth International Conference on Management, Economics, and Industry-oriented Accounting Studies, Tehran.

Shah, C. A. (2025). A Bibliometric Analysis of Artificial Intelligence in the Banking Sector: Trends, and Future Directions. Cana, 32(8s), 252-270. https://doi.org/10.52783/cana.v32.3669

Tian, X. (2024). The Role of Artificial Intelligence in the Digital Transformation of Commercial Banks: Enhancing Efficiency, Customer Experience, and Risk Management. SHS Web of Conferences, 208, 01029. https://doi.org/10.1051/shsconf/202420801029

Tong, H. H., & Lim, M. (2024). The Potential for Artificial Intelligence to Address Challenges Faced by Custodian Banks. https://doi.org/10.69554/IODC6478

Vucinic, M., & Luburic, R. (2024). Artificial Intelligence, Fintech and Challenges to Central Banks. Journal of Central Banking Theory and Practice. https://doi.org/10.2478/jcbtp-2024-0021