عبيدمعمر. “Electronic Payment Systems (the concept,advantages, and Disadvantages) and the Possibility of Benefit in the Management of Banking ”. Al Kut Journal of Economic and Administrative Sciences 1, no. 1 (August 12, 2009): 132-153. Accessed November 24, 2019. https://kjeas.uowasit.edu.iq/index.php/kjeas/article/view/8.