The impact of the electronic settlement system on bank liquidity: an applied study in a sample of Iraqi banks. Journal of Accounting and Financial Studies ( JAFS ), [S. l.], v. 20, n. 72, p. 173–188, 2025. DOI: 10.34093/g5wp3v11. Disponível em: https://jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/2273. Acesso em: 18 oct. 2025.