"The Impact of Cloud-Based Financial Operations on Digital Finance for Financial Decision Making" (2026) Al Kut Journal of Economics and Administrative Sciences, 17(60), ص 1171–1202. موجود في: https://kjeas.uowasit.edu.iq/index.php/kjeas/article/view/1152 (تاريخ الوصول: 22 أكتوبر 2026).