Halbous , Nuha Khalil, and Dr. Abdulkhleq Dubai Abdulmahdi. “Analyzing The Impact of Electronic Card Adoption on The Profitability of The Iraqi Banking Sector (2017–2023)‎”. International Journal of Accounting and Economics Studies, vol. 12, no. 8, Dec. 2025, pp. 827-33, https://doi.org/10.14419/zww5h693.