Al-Hamdani RI, Al-Zaidi HL, Taher AN. Enhancing Digital Transformation and Its Impact on Activating Electronic Payment : A Survey Study at the Central Bank. TANRA [Internet]. 2026 Jun. 1 [cited 2026 Jun. 7];45(150):144-63. Available from: https://tanmiyat.uomosul.edu.iq/index.php/tanmiyat/article/view/63495