The impact of adopting electronic payment systems on reducing operating costs: An applied study in a number of Iraqi banks. Entrepreneurship Journal for Finance and Business, [S. l.], v. 6, n. 4, p. 168–176, 2025. DOI: 10.56967/ejfb2025634. Disponível em: https://ejfb.journalpath.com/ejfb/article/view/62. Acesso em: 21 jul. 2026.