“The Impact of Digital Transformation on Banking Financial Performance: An Analytical Study in the Banking Sector”. Journal of Accounting and Financial Studies ( JAFS ) 19, no. 69 (December 31, 2024): 510–523. Accessed January 10, 2025. https://jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/1956.