ASSIST.PROF. DR.SHIREEN BADRI TAWFIK. Analysis of the impact of Digital Transformation in the Financial Sector on the Efficiency of Commercial Banks in Iraq. International Journal of Innovative and Applied Finance, [S. l.], v. 14, n. S1, 2026. Disponível em: https://www.publishpk.net/index.php/ijiaf/article/view/534. Acesso em: 21 sep. 2026.