"Electronic payment systems (the concept,advantages, and disadvantages) and the possibility of benefit in the management of banking " (2009) Al Kut Journal of Economics and Administrative Sciences, 1(1), ص 132–153. موجود في: https://kjeas.uowasit.edu.iq/index.php/kjeas/article/view/8 (تاريخ الوصول: 1 سبتمبر 2026).