A. H. H. Al-Ali and ayaat M. Abdul Zahra, “The role of financial innovations the (FinTech) in enhancing the quality of banking service: An analytical study of the Iraqi banking system”, Al-Ghary Jour. Eco. Admini. Sci., vol. 18, no. 2, pp. 1083–1100, Jun. 2022, doi: 10.36325/ghjec.v18i2.13932.