Ahmed Al-Kawashi, Mazen, and Miqdad Ahmad Al-Barzanji. “The Role of Application ‘My Account’ Project As One of the Digital Transformation Mechanisms in Achieving Financial Inclusion in the Kurdistan Regional Government – Iraq: An Analytical Study on a Number of Government and Private Banks in Dohuk Governorate”. Humanities Journal of University of Zakho 12, no. 2 (May 19, 2024): 341–359. Accessed July 19, 2024. https://hjuoz.uoz.edu.krd/index.php/hum/article/view/1357.