Hadeel Qasim Oleiwi, Khansaa Shakir Mahmoodd, Esraa Khalid Shakir, and زهره سلوم عباس الامارة. “The Risks of Banking Illiteracy and Its Role in Bank Deposits With Customers”. AL-Yarmouk Journal 21, no. 2 (April 21, 2026): 117–130. Accessed July 28, 2026. https://journal.al-yarmok.edu.iq/index.php/alyj/article/view/1358.