Saad Sufyan Al-Bakhit, Barzan Abdullah Ahmed, and Muneeb Khalaf Mhameed. “The Impact of Fintech Adoption on the Financial Performance of Commercial Banks: An Applied Study on Banks Listed in the Iraq Stock Exchange”. Tikrit Journal of Administrative and Economic Sciences 22, no. 75 part 1 (September 30, 2026): 792–819. Accessed October 21, 2026. https://www.tjaes.org/index.php/tjaes/article/view/3228.