“The relationship between indicators of financial digitization and levels of access to financial inclusion: an analytical study of a sample of Arab countries”, NTU-JAHS, vol. 4, no. 1, pp. 1–22, Jan. 2024, Accessed: Jul. 03, 2024. [Online]. Available: https://journals.ntu.edu.iq/index.php/NTU-JMS/article/view/832