Lect. Dr.Fadhil Nema Taher Al-Sarifi , Lect. Dr.Ali Hamzah Chyad, Researcher Ruqia Mgeed Sabbar. 2026. “The Impact of Innovation in the Data Economy on Creating Economic Value: An Applied Study At The Trade Bank Of Iraq (TBI)”. Technology Journal of Management , Accounting and Economics 14 (2). https://www.publishpk.net/index.php/techonlogy/article/view/506.