@article{pourhanifeh_kafash_2026,  title={Foreground and background factors of the service quality of financial technologies in the banking industry},  volume={23},  ISSN={1808-2386},  url={https://doi.org/10.15728/bbr.2024.1940.en},  DOI={10.15728/bbr.2024.1940.en},  journal={BBR. Brazilian Business Review},  publisher={Fucape Business School},  author={Pourhanifeh, Gholam Hassan and Kafash, Mahdi Haghighi},  year={2026},  pages={e20241940} }