H. K. Al-Dahbawi, A. H. Shaker, and J. A. Naser, “The reality and challenges of financial inclusion in Iraq”, Al-Ghary Jour. Eco. Admini. Sci., vol. 20, no. 00, pp. 2175–2201, Jul. 2024, doi: 10.36325/ghjec.v20i00.17118.