The role of financial technology in improving the financial performance of banks: A field study on a sample of private banks in Erbil governorate. Journal of Accounting and Financial Studies ( JAFS ), [S. l.], v. 18, n. 65, p. 465–477, 2024. Disponível em: https://jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/1334. Acesso em: 11 mar. 2025.