Aran Azad Salih, and Gulderan Abdel Rahim Aziz. “The Effect of Technological Banking Services on Enhancing the Financial Inclusion of a Sample of Local and Foreign Banks in The City Of Erbil”. QALAAI ZANIST JOURNAL 8, no. 2 (April 17, 2023): 708–734. Accessed July 3, 2024. https://journal.lfu.edu.krd/ojs/index.php/qzj/article/view/1215.