Mohammed, Abdulrahman, and aws F. al jwejatee. “The Impact of Banking Digitization on the Reserves of Commercial Banks”. TANMIYAT AL-RAFIDAIN 43, no. 142 (June 1, 2024): 149–167. Accessed September 8, 2025. https://tanmiyat.uomosul.edu.iq/index.php/tanmiyat/article/view/30083.