Hussein, I. A., S. A. Z. Mastour, and N. G. Gasem. “The Role of Financial Technology in Promoting Digital Transformation in Iraq for the Period (2020-2023)”. Indonesian Journal of Law and Economics Review, vol. 21, no. 1, Jan. 2026, p. 10.21070/ijler.v21i1.1464, doi:10.21070/ijler.v21i1.1464.