"Electronic payment systems (the concept,advantages, and disadvantages) and the possibility of benefit in the management of banking ". Al Kut Journal of Economics and Administrative Sciences 1, no. 1 (أغسطس 12, 2009): 132–153. تاريخ الوصول سبتمبر 1, 2026. https://kjeas.uowasit.edu.iq/index.php/kjeas/article/view/8.