“The Role of Innovative Bank Products on Customer Perception Influencing Accounting Procedures in Kurdistan”. Journal of University of Raparin 8, no. 1 (March 22, 2021): 334–352. Accessed June 30, 2025. https://journal.raparinuni2024.org/index.php/JUR/article/view/Vol%288%29.No%281%29.paper14.