Mahmoud Zahedian Nezhad, Javad Nazarian-Jashnabadi, Mohammad Mehraeen, and Javad Rezazadeh. “PERAM: An Efficient Readiness Assessment Model for the Banking Industry to Implement IoT – A Systematic Review and Fuzzy SWARA Methods”. Journal of Intelligent Decision Making and Information Science 1 (December 28, 2024): 120–155. Accessed March 1, 2026. https://jidmis.org/index.php/jidmis/article/view/161.