طراحی مدل ارتباطات بازاریابی دیجیتال با رویکرد انسان‌انگاری ادراک شده و هوش مصنوعی و نقش آن در قصد استفاده از موبایل بانک(مورد مطالعه: بانک‌های خصوصی)

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