"Assessing the Impact of Digital Financial Transformation on Investment Management Efficiency: An Empirical Study of Leading Global Insurance Companies (2016–2025)", KJEAS, م 18, عدد 61, ص 301–321, يوليو 2026, تاريخ الوصول: سبتمبر 28, 2026. موجود في: https://kjeas.uowasit.edu.iq/index.php/kjeas/article/view/1190