Mohammadi, Masoud, Hossein Kazemi, and Farzin Rezaei. “Presenting a Model of Deficiencies and Governance Problems in the Banking System”. Business, Marketing, and Finance Open (November 1, 2025): 1–13. Accessed July 4, 2025. https://bmfopen.com/index.php/bmfopen/article/view/201.