The Impact of Digital Finance on the Effectiveness and Efficiency of Intellectual Capital in Service Institutions: An Applied Study at Imam Al-Kadhum University College of Islamic Sciences. EJFB [Internet]. 2026 Aug. 25 [cited 2026 Nov. 12];7(Special 4):140-5. Available from: https://ejfb.journalpath.com/ejfb/article/view/553