Faqo DI. Thе Rоlе оf Intеllесtual Сaрital in Рrоviding High-Quality Banking Ѕеrviсеѕ: Еmрiriсal Еvidеnсе frоm Соmmеrсial Bankѕ in Kurdiѕtan Rеgiоn. EJMSS [Internet]. 2020 Oct. 1 [cited 2026 Apr. 17];1(4):1-11. Available from: https://ejmss.tiu.edu.iq/index.php/ejmss/article/view/59