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 12, no. 8 (December 27, 2025): 827–833. Accessed January 2, 2026. https://www.sciencepubco.com/index.php/IJAES/article/view/36736.