Qader Smael, K. ., and B. . Mohammed Yonis. “The Role of Modern Banking Services in Supporting the Competitive Advantage of a Sample of Private Banks in the City of Erbil, an Exploratory Study”. Zanco Journal of Human Sciences, vol. 27, no. 2, Apr. 2023, pp. 132-51, doi:10.21271/zjhs.27.2.8.