فهرس المقالات امیر بهادر مروت المقاله 1 - Compilation of Avatar Development Roadmap in Iranian Banking with the Life Cycle Approach of System Development and Human-Computer Interaction Amir Bahador Morovat Farhad Nazari zadeh Ahmad Haghiri Dehbarez Journal of Information Systems and Telecommunication (JIST) , العدد 4 , السنة 13 , پاییز 2025