Obstacles facing the application of electronic banking An exploratory: study of the opinions of a sample of bank employees operating in the city of Nasiriyah. Journal of Accounting and Financial Studies ( JAFS ), [S. l.], v. 16, n. 57, p. 75–88, 2021. Disponível em: https://www.jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/1003. Acesso em: 25 jun. 2025.