Electronic payments system and its relationship to the effectiveness of commercial banks: Applied Research. Journal of Accounting and Financial Studies ( JAFS ), [S. l.], v. 9, n. 28, 2014. Disponível em: https://www.jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/514. Acesso em: 1 may. 2025.