Mohammed, Laila Abudlkareem, Faez Hlial Srayyih, and Jamal Hadash Mohammed. 2026. “The Impact of Using Intelligent Chatbots As a Fintech Application on Customer Service Quality in Iraqi Banks: An Analytical Study”. Al-Ghary Journal of Economic and Administrative Sciences 21 (2): 1041-62. https://doi.org/10.36325/ghjec.v21i2.20212.