Lafta, Ahmed Tareq, Ali Souri, and Ezatollah Abbasian. “The Impact of Information Technology Adoption on the Financial Performance of Banking Institutions: Evidence from Emerging Economies, With a Focus on Iraq”. Future of Work and Digital Management Journal (March 1, 2027): 1–26. Accessed July 31, 2026. https://www.journalfwdmj.com/index.php/fwdmj/article/view/311.