References
Kikha, Ahmed and Tawfiq, Jafar. (1400). Taxonomy of stakeholders and their role in university governance, Scientific Quarterly of Strategic Public Policy Studies, Summer 1400, Volume 11, Number 39.
Mouszadeh Mousavi, Seyyed Mohammad; Mohammadi, Mehdi and Fathi, Mohammadreza. (1402). Typology of oil and gas companies from the perspective of innovation activities. Strategic studies of public policy, period 13, number 47, September 1402, page 115-92.
Serafrazi, Mehrzad and Behbodi, Mohammad Hassan. (2011). New information technologies and global management. Strategic studies of public policy, period 3, number 9 - serial number 9, June 2011, page 28-1.

Arsanjani, A., Gholipour Soleimani, A., Delafrooz, N., and Taleghani, M. (2019). Challenges of the Iranian E-Banking Business Model in Digital Transformation. Journal of Money and Economy, 14(3), 389-419. 
Alisher, Kurbanov. (2023). ACCELERATING GROWTH: THE IMPACT OF DIGITAL TRANSFORMATION ON BANKS’ PERFORMANCE, EPRA International Journal of Economics, Business and Management Studies (EBMS) Volume 10, Issue 8, August 2023. DOI: 10.36713/epra1013
Attri, Rajesh and Grover, Sandeep. (2013). Application of preference selection index method for decision making over the design stage of production system life cycle. Journal of King Saud University - Engineering Sciences. 27. 10.1016/j.jksues.2013.06.003.
Babbar, Akhil; Janardhanan, Raghavan; Paternoster, Remy and Soller, Henning. (2023). Why most digital banking transformations fail—and how to flip the odds, April 11, 2023. At: https://www.mckinsey.com/capabilities/mckinsey-digital/our-insights/tech-forward/why-most-digital-banking-transformations-fail-and-how-to-flip-the-odds 
Badham, M., and Luoma-aho, V. (2023). Introduction to the handbook on digital corporate communication. In Handbook on digital corporate communication (pp. 1-16). Edward Elgar Publishing.
Bala, Madhu. (2018). Digital Transformation: Review of Concept, Digital Framework, and Challenges (June 30, 2018). 
Beattei, Andrew; Rasure, Erika and Reeves, Marcus. (2023). Understanding First Mover Advantage, January 30, 2023. At: https://www.investopedia.com/articles/investing/111016/understanding-first-mover-advantage.asp 
Bennis, W. (2013). Leadership in a digital world: embracing transparency and adaptive capacity. MIS Quarterly, 37(2), 635–636.
Bharadwaj, A.; El Sawy, O. A.; Pavlou, P. A. and Venkatraman, N. (2013). Digital Business Strategy: Toward a Next Generation of Insights, MIS Q., vol. 37, no. 2, pp. 471–482, 2013.
Cao, Ruiqing and Iansiti, Marco. (2013). Digital transformation, data architecture, and legacy systems, Journal of Digital Economy, Volume 1, Issue 1, 2022, Pages 1-19, https://doi.org/10.1016/j.jdec.2022.07.001
Centric-digital. (2016). UNDERSTANDING DIGITAL ORGANIZATION MODELS FOR COMMERCIAL AND REGIONAL BANKS, SEPTEMBER 15, 2016. At: https://www.centricdigital.com/blog/understanding-digital-organization-models-for-commercial-and-regional-banks 
Chanias, Simon. (2017). “MASTERING DIGITAL TRANSFORMATION: THE PATH OF A FINANCIAL SERVICES PROVIDER TOWARDS A DIGITAL TRANSFORMATION STRATEGY”. In Proceedings of the 25th European Conference on Information Systems (ECIS), Guimarães, Portugal, June 5-10, 2017 (pp. -). ISBN 978-989-20-7655-3 Research Papers. https://aisel.aisnet.org/ecis2017_rp/2
European Central Bank. (2023). Banks’ digital transformation: where do we stand? 15 February 2023. At: https://www.bankingsupervision.europa.eu/press/publications/newsletter/2023/html/ssm.nl230215_2.en.html 
European Central Bank. (2023). Digital transformation requires strong governance and steering. Availbe at: https://www.bankingsupervision.europa.eu/press/publications/newsletter/2023/html/ssm.nl230517_3.en.html 
Westerman, G.; Bonnet, D. and McAfee, A. (2014). Leading digital: Turning technology into business transformation. Harvard Business Press, page 292, 2014.
Grembergen, W. and De Haes, S. (2009). Enterprise governance of IT: Achieving strategic alignment and value. Springer.
Hadaya, P. and Cassivi, L. (2009). Collaborative e-product development and product innovation in a demand-driven network: the moderating role of eCRM. Electronic Markets, 19(2–3), 71–87.
Haffar, Rami. (2023). Digital Transformation in Banks: Impact and Roadmap, New Metrics. At: https://www.newmetrics.net/insights/digital-transformation-in-banks-impact-and-roadmap/
Hansen, A. M.; Kraemmergaard, P. and Mathiassen, L. (2011). “Rapid adaptation in digital transformation: A participatory process for engaging IS and business leaders,” MIS Quarterly Executive (10:4), pp. 175-185.
Hilary, Gilles and Serret,Vanessa. (2024). Governance and Digital Transformation. Finance Contrôle Stratégie, inPress. Avalible at: https://hal.science/hal-04380300 
Horlacher, A. and Hess, T. (2016). What does a chief digital officer do? managerial tasks and roles of a new c-level position in the context of digital transformation. 49th Hawaii International Conference on, IEEE (2016) 5126–5135.
Horlacher, A.; Klarner, P. and Hess, T. (2016). “Crossing boundaries: Organization design parameters surrounding CDOs and their digital transformation activities,” Americas Conference of Information Systems, San Diego, CA.
Islam, N.; Buxman, P. and Eling, N. (2017). “Why should incumbent firms jump on the start-up bandwagon in the digital era? - A qualitative study,” Wirtschaftsinformatik Conference, St. Gallen, Switzerland: AIS Electronic Library, pp. 1378-1392.
Jewer, Jennifer and van der Meulen, Nick. (2022). Governance of Digital Transformation: A Review of the Literature. Proceedings of the 55th Hawaii International Conference on System Sciences. at: https://hdl.handle.net/10125/80144 
Kafi Khan, Md. (2023). Why Digital Banking needs to get the governance framework right. The Business Standard, Availbe at: https://www.tbsnews.net/thoughts/why-digital-banking-needs-get-governance-framework-right-239920  
Kazim, Washija. (2023). The Rise of Digital Transformation in Banking: Why It Matters, Availbe at: https://www.g2.com/articles/digital-transformation-in-banking  
Klimenko, Alla. (2023). Digital Transformation in Banking and Financial Services, Aug 28, 2023. At: https://maddevs.io/blog/digital-transformation-in-banking-and-financial-services/ 
Koch, S. and Bierbamer, M. (2016). Opening your product: impact of user innovations and their distribution platform on video game success. Electronic Markets, 26(4), 357–368.
Krueger, R. A. and Casey, M. A. (2000). Focus groups: A practical guide for applied researchers (3rd ed.). Thousand Oaks, CA: Sage.
Lacombe, Isabelle and Jarboui, Anis. (2023). Governance and management of digital transformation projects: an exploratory approach in the financial sector. International Journal of Innovation Science. 15. https:/10.1108/IJIS-02-2022-0034
Maadani, M., Shabro, M., and Alavikia, Z. (2019). Analysis of demand-side business opportunities in Iran, as a digital transformation perspective. Paper presented at the 2019 International Power System Conference (PSC).
Bala, Madhu. (2018). Digital Transformation: Review of Concept, Digital Framework, and Challenges. In V.P. Gupta, D. Bansal (Eds.) , Theoretical and Empirical Development in Management and IT (1st ed., pp. 133-152). Ghaziabad, India: Swaranjali Publication., Available at SSRN: https://ssrn.com/abstract=3555282
Mangla, Rahul; Singh, Rohit; Trehan, Kartik and Williams, Marcy. (2020). How digital collaboration helps banks serve customers better, McKinsey & Company, May 14, 2020. At:  https://www.mckinsey.com/industries/financial-services/our-insights/banking-matters/how-digital-collaboration-helps-banks-serve-customers-better 
Marous, Jim. (2023). Banks Seek Digital Transformation Via Fintech Collaborations, January 9, 2023. At: https://thefinancialbrand.com/news/banking-trends-strategies/banking-fintech-collaboration-innovation-digital-transformation-trends-157828/ 
Matt, Christian; Hess, Thomas and Benlian, Alexander. (2015). Digital Transformation Strategies. Business & Information Systems Engineering. 57. 339-343. 10.1007/s12599-015-0401-5.
Müller, Christian. (2018). THE MOST IMPORTANT STAKEHOLDERS IN THE DIGITAL TRANSFORMATION OF FINANCE, 2 August 2018. At: https://www.knowis.com/blog/the-most-important-stakeholders-in-the-digital-transformation-of-finance  
Nyaga, G. N., Whipple, J. M. and Lynch, D. F. (2010). Examining Supply Chain Relationships: Do Buyer and Supplier Perspectives on Collaborative Relationships Differ? Journal of Operations Management 28(2):101–114. doi: 10.1016/j.jom.2009.07.005.
Obwegeser, Nikolaus; Yokoi, Tomoko; Wade, Michael and Voskes, Tom. (2020). 7 Key Principles to Govern Digital Initiatives, MIT Sloan, Management Review, April 01, 2020. At: https://sloanreview.mit.edu/article/7-key-principles-to-govern-digital-initiatives/ 
Ovington, Tristan. (2023). Digital transformation in banking: A complete guide, May 21, 2023. At: https://www.walkme.com/blog/digital-transformation-in-banking/?__cf_chl_rt_tk=_AziaWZdg4aCEcg9lGs22Gep1mFRzyPQq1ef0usxe54-1702386276-0-gaNycGzNDTs 
Petterle, Andiara. (2020). Choosing the right digital transformation governance model, January 19, 2022. At: https://www.linkedin.com/pulse/choosing-right-digital-transformation-governance-model-petterle/ 
PYMNTS. (2023). Banks and FinTechs Now Prioritize Collaboration Over Competition, JUNE 16, 2023. At: https://www.pymnts.com/partnerships/2023/banks-fintechs-prioritize-collaborative-go-forward-strategies/ 
Rosa, Isabel da and Miguel, Mira da Silva. (2015). A Maturity Model for Business Transformation Management. 2015 IEEE 17th Conference on Business Informatics 1 (2015): 60-67.
Saldanha, T. J.; Mithas, S. and Krishnan, M. S. (2017). Leveraging Customer Involvement for Fueling Innovation: The Role of Relational and Analytical Information Processing Capabilities. MIS quarterly, 41, 267-286. https://doi.org/10.25300/MISQ/2017/41.1.14
Saleh, Aymen and Yousif, Nadjia. (2023). Why Aren’t Banks Getting More from Digital?, DECEMBER 13, 2017. At: https://www.bcg.com/publications/2017/why-are-banks-not-getting-more-from-digital 
Shoushany, Rudy. (2023). Implementing IT Governance in Enterprises, Banks, Fintech, and Other Industries, August 10, 2023. Avaible at: https://www.linkedin.com/pulse/implementing-governance-enterprises-banks-fintech/ 
Systems-Arabia. (2023). 5 winning strategies for digital transformation journey of banks, August 30, 2023. At: https://www.linkedin.com/pulse/5-winning-strategies-digital-transformation-journey-banks/ 
TARVER, EVAN and DRURY, AMY. (2020). First Mover: What It Means, Examples, and First Mover Advantages, September 28, 2020. At: https://www.investopedia.com/terms/f/firstmover.asp 
Tian, Guangning; Li, Bo and Cheng, Yue. (2022). Does digital transformation matter for corporate risk-taking?, Finance Research Letters, Volume 49, 2022, https://doi.org/10.1016/j.frl.2022.103107.
Tran, Phuong; Le, Thi and Phan, Nga. (2023). DIGITAL TRANSFORMATION OF THE BANKING INDUSTRY IN DEVELOPING COUNTRIES Article history: Digital Transformation of the Banking Industry in Developing Countries. International Journal of Professional Business Review. Vol. 8. 1-24. https:/10.26668/businessreview/2023.v8i5.1503  
Uhl and L. Gollenia. (2016) Digital Enterprise Transformation, a business-driven approach to leveraging innovative IT. Routledge, New York, 2016.
Venkatraman, V. (2017). The digital matrix: new rules for business transformation through technology. LifeTree Media.
Vinnai, Balazes. (2018). 5 reasons why banks still struggle with digital transformation, 25 September 2018. At: https://www.finextra.com/blogposting/16029/5-reasons-why-banks-still-struggle-with-digital-transformation 
Wiesböck, F., and Hess, T. (2020). Digital innovations. Electronic Markets, 30(1), 75-86.
Wu, L.; Chuang Hand, C. and Hsu, C. H. (2014). Information Sharing and Collaborative Behaviors in Enabling Supply Chain Performance: A Social Exchange Perspective. International Journal of Production Economics 148:122–132. doi: 10.1016/j.ijpe.2013.09.016.
Yeow, C. Soh and Hansen, R. (2018). Aligning with new digital strategy: A dynamic capabilities approach, J. Strategic Inf. Syst., vol. 27, no. 1, pp. 43–58, 2018.
Zhu, Y.; Jin, S. (2023). How Does the Digital Transformation of Banks Improve Efficiency and Environmental, Social, and Governance Performance? Systems 2023, 11, 328. https://doi.org/10.3390/systems11070328