Adopting electronic payment tools to enhance capacity Banks attract public savings: Applied research on a sample of Iraqi banks. Journal of Accounting and Financial Studies ( JAFS ), [S. l.], v. 20, n. 70, p. 321–335, 2025. DOI: 10.34093/axdrbc14. Disponível em: https://jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/2072. Acesso em: 29 apr. 2025.