Mutlag, A. S. y Salman, H. D. (2019) «Measuring the impact of e-banking services in the banking reform process in Iraq Comparative study during the period 2012-2017», Opción, 350, pp. 963-988. Disponible en: https://produccioncientifica.luz.edu.ve/index.php/opcion/article/view/29673 (Accedido: 31julio2025).