ساوين قادر محمود; فريدون نزار كريم; باسمة فالح النعيمي. The Impact of Using FinTech Products in Enhancing Sustainable Competitive Advantage/An Analytical Study in Iraqi Banks Operating in the Kurdistan Region/Iraq. Iraqi Journal for Administrative Sciences, كربلاء، جمهورية العراق, v. 21, n. 83, p. 136–157, 2025. DOI: 10.71207/ijas.v21i83.3293. Disponível em: https://mail.journals.uokerbala.edu.iq/index.php/ijas/article/view/3293. Acesso em: 11 apr. 2025.