Suhyla Abdulzahra Al-Hujaimy and Ibtisam Ali Hussien (2025) “The role of banking digitization in developing the profitability of the Iraqi banking sector: International experiences with special reference to Iraq”, Tikrit Journal of Administrative and Economic Sciences, 21(69, part 2), pp. 120–134. doi: 10.25130/tjaes.21.69.2.8.