AL-HAMDANI, R. I. .; AL-ZAIDI, H. L. .; TAHER , A. N. . Enhancing Digital Transformation and Its Impact on Activating Electronic Payment : A Survey Study at the Central Bank. TANMIYAT AL-RAFIDAIN, [S. l.], v. 45, n. 150, p. 144–163, 2026. DOI: 10.33899/tanra.v45i150.63495. Disponível em: https://tanmiyat.uomosul.edu.iq/index.php/tanmiyat/article/view/63495. Acesso em: 7 jun. 2026.