Madlool Ibrahim M, Al-Ramli AMR, Asmaeel SA. Electronic Payment Systems Reduce Informal Cash Holdings and Strengthen Iraqi Economic Stability. ijler [Internet]. 2025 Dec. 27 [cited 2026 Mar. 15];21(1):10.21070/ijler.v21i1.1442. Available from: https://ijler.umsida.ac.id/index.php/ijler/article/view/1442