Matti, Savan Nadheer, and Yasin Rasul Younis. “Role of Information Technology and Communications to Improve Financial Performance Efficiency: An Applied Study in the Kurdistan International Bank for the Period (2010-2020)”. Tikrit Journal of Administrative and Economic Sciences 19, no. 61, 1 (March 31, 2023): 498–525. Accessed March 6, 2026. https://www.tjaes.org/ojs/index.php/tjaes/article/view/695.