Ismail, B., and W. Ramo. “USING BLOCKCHAIN TECHNOLOGY TO IMPROVE CREDIT RISK MANAGEMENT: ‘A Survey Study of a Sample of Academics and Professionals in Public Universities’”. Humanities Journal of University of Zakho, vol. 12, no. 4, Oct. 2024, pp. 755-68, doi:10.26436/hjuoz.2024.12.4.1293.