"Electronic payment systems (the concept,advantages, and disadvantages) and the possibility of benefit in the management of banking ", KJEAS, م 1, عدد 1, ص 132–153, أغسطس 2009, تاريخ الوصول: سبتمبر 01, 2026. موجود في: https://kjeas.uowasit.edu.iq/index.php/kjeas/article/view/8