Al-Duhaidahawi, Hayder M. Kareem, Jing Zhang, Mustafa S. Abdulreza, Sinan Abdullah Harjan, and Sayyed Sadaqat Hussain Shah. 2019. “The Role of Financial Inclusion and Competitive Advantage: Evidence from Iraqi Islamic Banks”. International Journal of Economics and Financial Issues 9 (3):193-99. https://econjournals.com.tr/index.php/ijefi/article/view/8080.