F. A. Al jwejatee, Aws, and Khalid A. AL-Gravi. “The Evolution of the Use of Electronic Payment Methods and Its Impact on the Gross Domestic Product of the Arab Gulf Countries for the Period )2011-2020)”. TANMIYAT AL-RAFIDAIN 42, no. 138 (June 1, 2023): 194–220. Accessed September 6, 2025. https://ojs.uomosul.edu.iq/index.php/tanmiyat/article/view/29738.