. . D. H. S. . Al-Hatimi and A. A. A. F. . Al-Fatlawi, “The Impact of Financial Technology on Improving Financial Performance: An Analytical Study of the Iraqi Banking Sector for the Period 2017-2022”, Al-Ghary Jour. Eco. Admini. Sci., vol. 21, no. 3, pp. 292–319, Jul. 2026, doi: 10.36325/ghjec.v21i3.19466.