“The Role of FinTech in Financial Risk Management: A Case Study of Asiacell and Asia Hawala for the Period 2018-2024”. TANMIYAT AL-RAFIDAIN 45, no. 150 (June 1, 2026): 76–100. Accessed July 25, 2026. https://tanmiyat.uomosul.edu.iq/index.php/tanmiyat/article/view/63481.