Hussein Ali, A., & 		Najm Al-Shammari, A.
(2026).
 The Impact of Financial Technology on Customers Decisions in Bank Selection: An Analytical and Applied Study in Private Banks in Karbala Governorate.
<em>NIU Journal Of Social Sciences, 12</em>(3), 263-273.
doi:10.58709/niujss.v12i3.2747