Analysis of the role of applying electronic payment methods in enhancing banking returns : case study for the International Development Bank for the period (2018-2023). Journal of Accounting and Financial Studies ( JAFS ), [S. l.], v. 19, n. 69, p. 469–479, 2024. DOI: 10.34093/jwxqf079. Disponível em: https://jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/1953.. Acesso em: 10 jan. 2025.