“The Relationship Between Indicators of Financial Digitization and Levels of Access to Financial Inclusion: an Analytical Study of a Sample of Arab Countries”. NTU journal for Administrative and Human Sciences (JAHS) 4, no. 1 (September 17, 2025): 1–22. Accessed December 13, 2025. https://journals.ntu.edu.iq/index.php/NTU-JMS/article/view/832.