Al-Murshidi, Haider, and Hussein Mahdi. “The Digital Transformation of Banking Operations and Its Impact on the Capital Adequacy Index”. Journal of Kufa Studies Center 1, no. 76(B) (May 13, 2025): 273–295. Accessed April 26, 2026. https://journal.uokufa.edu.iq/index.php/ksc/article/view/19570.