Halbous , Nuha Khalil, and Dr. Abdulkhleq Dubai Abdulmahdi. 2025. “Analyzing The Impact of Electronic Card Adoption on The Profitability of The Iraqi Banking Sector (2017–2023)‎”. International Journal of Accounting and Economics Studies 12 (8): 827-33. https://doi.org/10.14419/zww5h693.