[1]
“Digital Banking Capabilities and Their Impact on Smart Financial Management: Evidence from Iraqi Commercial Banks”, JAFS, vol. 21, no. 74, pp. 486–497, Mar. 2026, Accessed: Jul. 21, 2026. [Online]. Available: https://www.jpgiafs.uobaghdad.edu.iq/index.php/JAFS/article/view/2514