“Operational Risk Assessment and Its Role in Mitigating Damages in Commercial Banks: An Analytical Study of Expert Opinions in the Kurdistan Region - Iraq”.
Journal of University of Raparin 10, no. 4 (December 29, 2023): 716–741. Accessed August 28, 2025.
https://journal.raparinuni2024.org/index.php/JUR/article/view/1157.