“The role of financial technology in improving the financial performance of banks: A field study on a sample of private banks in Erbil governorate” (2024) Journal of Accounting and Financial Studies ( JAFS ), 18(65), pp. 465–477. Available at: https://jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/1334 (Accessed: 12 May 2024).