{"id":"https://openalex.org/W7220104075","doi":null,"title":"\u062a\u0639\u0632\u064a\u0632 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 \u0639\u0628\u0631 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629 \u0639\u0644\u0649 \u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629","display_name":"\u062a\u0639\u0632\u064a\u0632 \u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u0635\u063a\u064a\u0631\u0629 \u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0645\u0646 \u062e\u0644\u0627\u0644 \u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a \u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629 \u0642\u0635\u064a\u0631\u0629 \u0627\u0644\u0623\u062c\u0644 \u0639\u0628\u0631 \u0627\u0644\u0645\u0646\u0635\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629: \u062f\u0631\u0627\u0633\u0629 \u062a\u0637\u0628\u064a\u0642\u064a\u0629 \u0639\u0644\u0649 \u0639\u064a\u0646\u0629 \u0645\u0646 \u0627\u0644\u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629","publication_year":2026,"publication_date":"2026-07-15","ids":{"openalex":"https://openalex.org/W7220104075"},"language":"ar","primary_location":{"id":"pmh:oai:ojs2.fjast.atu.edu.iq:article/77","doi":null,"is_oa":true,"landing_page_url":"https://fjast.atu.edu.iq/index.php/index/article/view/77","pdf_url":null,"source":{"id":"https://openalex.org/S7407081969","display_name":"\u0645\u062c\u0644\u0629 \u0627\u0644\u0641\u0631\u0627\u062a \u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629","issn_l":"3107-2259","issn":["3107-2259"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4210155527","host_organization_name":"Al-Furat Al-Awsat Technical University","host_organization_lineage":["https://openalex.org/I4210155527"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3107-2259","raw_type":"\u0645\u0624\u0644\u064e\u0651\u0641 \u0645\u062d\u0643\u064e\u0651\u0645"},"volume":null,"type":"book","is_traditional":true,"indexed_in":[],"open_access":{"is_oa":true,"oa_status":"diamond","oa_url":"https://fjast.atu.edu.iq/index.php/index/article/view/77","any_repository_has_fulltext":false},"authorships":[{"author_position":"first","author":{"id":"https://openalex.org/A5156996963","display_name":"\u0645\u062d\u0645\u062f \u0639\u0630\u0627\u0628 \u062c\u0627\u0633\u0645","orcid":null,"observed_orcids":[]},"institutions":[],"countries":[],"is_corresponding":true,"raw_author_name":"\u0645\u062d\u0645\u062f \u0639\u0630\u0627\u0628 \u062c\u0627\u0633\u0645","raw_affiliation_strings":[],"raw_orcid":null,"affiliations":[]}],"institutions":[],"countries_distinct_count":0,"institutions_distinct_count":0,"corresponding_author_ids":["https://openalex.org/A5156996963"],"corresponding_institution_ids":[],"apc_list":null,"apc_paid":null,"fwci":0.0,"has_fulltext":false,"cited_by_count":0,"citation_normalized_percentile":{"value":0.7938258,"is_in_top_1_percent":false,"is_in_top_10_percent":false},"cited_by_percentile_year":null,"biblio":{"volume":null,"issue":null,"first_page":null,"last_page":null},"is_retracted":false,"is_paratext":false,"is_xpac":false,"primary_topic":{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.33640000224113464,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},"topics":[{"id":"https://openalex.org/T10127","display_name":"Banking stability, regulation, efficiency","score":0.33640000224113464,"subfield":{"id":"https://openalex.org/subfields/2003","display_name":"Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T13346","display_name":"Digital Transformation in Financial Services","score":0.22519999742507935,"subfield":{"id":"https://openalex.org/subfields/2000","display_name":"General Economics, Econometrics and Finance"},"field":{"id":"https://openalex.org/fields/20","display_name":"Economics, Econometrics and Finance"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}},{"id":"https://openalex.org/T11995","display_name":"FinTech, Crowdfunding, Digital Finance","score":0.1453000009059906,"subfield":{"id":"https://openalex.org/subfields/1404","display_name":"Management Information Systems"},"field":{"id":"https://openalex.org/fields/14","display_name":"Business, Management and Accounting"},"domain":{"id":"https://openalex.org/domains/2","display_name":"Social Sciences"}}],"keywords":[{"id":"https://openalex.org/keywords/small-and-medium-sized-enterprises","display_name":"small and medium-sized enterprises","score":0.7149999737739563},{"id":"https://openalex.org/keywords/sme-financing","display_name":"SME financing","score":0.9800000190734863},{"id":"https://openalex.org/keywords/online-platforms","display_name":"digital platforms","score":0.7519999742507935},{"id":"https://openalex.org/keywords/digital-banking","display_name":"digital banking","score":0.640999972820282},{"id":"https://openalex.org/keywords/cost-of-credit","display_name":"cost of credit","score":0.5879999995231628},{"id":"https://openalex.org/keywords/iraqi-banks","display_name":"Iraqi banks","score":0.9169999957084656},{"id":"https://openalex.org/keywords/dhi-qar-governorate","display_name":"Dhi Qar Governorate","score":0.734000027179718}],"concepts":[{"id":"https://openalex.org/C98045186","wikidata":"https://www.wikidata.org/wiki/Q205663","display_name":"Process (computing)","level":2,"score":0.19869999587535858},{"id":"https://openalex.org/C116834253","wikidata":"https://www.wikidata.org/wiki/Q2039217","display_name":"Identification (biology)","level":2,"score":0.19499999284744263},{"id":"https://openalex.org/C41008148","wikidata":"https://www.wikidata.org/wiki/Q21198","display_name":"Computer science","level":0,"score":0.1906999945640564},{"id":"https://openalex.org/C90673727","wikidata":"https://www.wikidata.org/wiki/Q901718","display_name":"Product (mathematics)","level":2,"score":0.1860000044107437},{"id":"https://openalex.org/C18762648","wikidata":"https://www.wikidata.org/wiki/Q42213","display_name":"Work (physics)","level":2,"score":0.18389999866485596},{"id":"https://openalex.org/C2779343474","wikidata":"https://www.wikidata.org/wiki/Q3109175","display_name":"Context (archaeology)","level":2,"score":0.16850000619888306},{"id":"https://openalex.org/C177264268","wikidata":"https://www.wikidata.org/wiki/Q1514741","display_name":"Set (abstract data type)","level":2,"score":0.16580000519752502},{"id":"https://openalex.org/C61797465","wikidata":"https://www.wikidata.org/wiki/Q1188986","display_name":"Term (time)","level":2,"score":0.16410000622272491},{"id":"https://openalex.org/C2776608160","wikidata":"https://www.wikidata.org/wiki/Q4785462","display_name":"Natural (archaeology)","level":2,"score":0.16120000183582306},{"id":"https://openalex.org/C81917197","wikidata":"https://www.wikidata.org/wiki/Q628760","display_name":"Selection (genetic algorithm)","level":2,"score":0.15870000422000885}],"mesh":[],"locations_count":1,"locations":[{"id":"pmh:oai:ojs2.fjast.atu.edu.iq:article/77","doi":null,"is_oa":true,"landing_page_url":"https://fjast.atu.edu.iq/index.php/index/article/view/77","pdf_url":null,"source":{"id":"https://openalex.org/S7407081969","display_name":"\u0645\u062c\u0644\u0629 \u0627\u0644\u0641\u0631\u0627\u062a \u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629","issn_l":"3107-2259","issn":["3107-2259"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4210155527","host_organization_name":"Al-Furat Al-Awsat Technical University","host_organization_lineage":["https://openalex.org/I4210155527"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3107-2259","raw_type":"\u0645\u0624\u0644\u064e\u0651\u0641 \u0645\u062d\u0643\u064e\u0651\u0645"}],"best_oa_location":{"id":"pmh:oai:ojs2.fjast.atu.edu.iq:article/77","doi":null,"is_oa":true,"landing_page_url":"https://fjast.atu.edu.iq/index.php/index/article/view/77","pdf_url":null,"source":{"id":"https://openalex.org/S7407081969","display_name":"\u0645\u062c\u0644\u0629 \u0627\u0644\u0641\u0631\u0627\u062a \u0644\u062a\u0642\u0646\u064a\u0627\u062a \u0627\u0644\u0639\u0644\u0648\u0645 \u0627\u0644\u0625\u062f\u0627\u0631\u064a\u0629","issn_l":"3107-2259","issn":["3107-2259"],"is_oa":true,"is_in_doaj":false,"is_core":false,"listed_in":[],"host_organization":"https://openalex.org/I4210155527","host_organization_name":"Al-Furat Al-Awsat Technical University","host_organization_lineage":["https://openalex.org/I4210155527"],"host_organization_lineage_names":[],"type":"journal"},"license":null,"license_id":null,"version":"publishedVersion","is_accepted":true,"is_published":true,"raw_source_name":"3107-2259","raw_type":"\u0645\u0624\u0644\u064e\u0651\u0641 \u0645\u062d\u0643\u064e\u0651\u0645"},"sustainable_development_goals":[{"id":"https://metadata.un.org/sdg/8","score":0.7257999777793884,"display_name":"Decent work and economic growth"},{"id":"https://metadata.un.org/sdg/9","score":0.7207000255584717,"display_name":"Industry, innovation and infrastructure"}],"study_designs":[],"awards":[],"funders":[],"has_content":{"grobid_xml":false,"pdf":false},"content_urls":null,"referenced_works_count":0,"referenced_works":[],"related_works":["https://openalex.org/W7139037977","https://openalex.org/W4402488496","https://openalex.org/W3008254611","https://openalex.org/W7166551910","https://openalex.org/W7216748058","https://openalex.org/W4405817615","https://openalex.org/W3193491262","https://openalex.org/W7160290832","https://openalex.org/W4400044750","https://openalex.org/W2783006536"],"abstract_inverted_index":{"\u0647\u062f\u0641\u062a":[0],"\u0647\u0630\u0647":[1],"\u0627\u0644\u062f\u0631\u0627\u0633\u0629":[2,46,58,78,170],"\u0625\u0644\u0649":[3,79],"\u0627\u0644\u0643\u0634\u0641":[4],"\u0639\u0646":[5],"\u062f\u0648\u0631":[6],"\u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a":[7,89,118,174],"\u0627\u0644\u0627\u0626\u062a\u0645\u0627\u0646\u064a\u0629":[8,64,90,175],"\u0642\u0635\u064a\u0631\u0629":[9],"\u0627\u0644\u0623\u062c\u0644":[10],"\u0627\u0644\u0645\u0642\u062f\u0645\u0629":[11],"\u0639\u0628\u0631":[12,91],"\u0627\u0644\u0645\u0646\u0635\u0627\u062a":[13,92,182],"\u0627\u0644\u0631\u0642\u0645\u064a\u0629":[14,93,121,163,183],"\u0641\u064a":[15,31,62,107,127,154,157,161],"\u062a\u0639\u0632\u064a\u0632":[16],"\u062a\u0645\u0648\u064a\u0644":[17],"\u0627\u0644\u0634\u0631\u0643\u0627\u062a":[18,95],"\u0627\u0644\u0635\u063a\u064a\u0631\u0629":[19,96,178],"\u0648\u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629\u060c":[20,97,179],"\u0645\u0646":[21,27,56,70,105,117,187],"\u062e\u0644\u0627\u0644":[22],"\u062f\u0631\u0627\u0633\u0629":[23],"\u062a\u0637\u0628\u064a\u0642\u064a\u0629":[24],"\u0639\u0644\u0649":[25,142,189],"\u0639\u064a\u0646\u0629":[26],"\u0627\u0644\u0645\u0635\u0627\u0631\u0641":[28],"\u0627\u0644\u0639\u0631\u0627\u0642\u064a\u0629":[29],"\u0627\u0644\u0639\u0627\u0645\u0644\u0629":[30],"\u0645\u062d\u0627\u0641\u0638\u0629":[32],"\u0630\u064a":[33,85],"\u0642\u0627\u0631":[34],"(\u0645\u0635\u0631\u0641":[35],"\u0627\u0644\u0631\u0634\u064a\u062f\u060c":[36],"\u0648\u0645\u0635\u0631\u0641":[37,39],"\u0627\u0644\u0631\u0627\u0641\u062f\u064a\u0646\u060c":[38],"\u0627\u0644\u062e\u0644\u064a\u062c":[40],"\u0627\u0644\u062a\u062c\u0627\u0631\u064a\u060c":[41],"\u0648\u0627\u0644\u0645\u0635\u0631\u0641":[42],"\u0627\u0644\u062a\u062c\u0627\u0631\u064a":[43],"\u0627\u0644\u0639\u0631\u0627\u0642\u064a).":[44],"\u0627\u0639\u062a\u0645\u062f\u062a":[45],"\u0627\u0644\u0645\u0646\u0647\u062c":[47],"\u0627\u0644\u0648\u0635\u0641\u064a":[48],"\u0627\u0644\u062a\u062d\u0644\u064a\u0644\u064a\u060c":[49],"\u0648\u0627\u0633\u062a\u062e\u062f\u0645\u062a":[50],"\u0627\u0644\u0627\u0633\u062a\u0628\u0627\u0646\u0629":[51],"\u0623\u062f\u0627\u0629":[52],"\u0631\u0626\u064a\u0633\u064a\u0629":[53],"\u0644\u062c\u0645\u0639":[54],"\u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a":[55],"\u0645\u062c\u062a\u0645\u0639":[57],"\u0627\u0644\u0628\u0627\u0644\u063a":[59],"(80)":[60],"\u0645\u0648\u0638\u0641\u064b\u0627":[61],"\u0627\u0644\u062f\u0648\u0627\u0626\u0631":[63],"\u0628\u0623\u0633\u0644\u0648\u0628":[65],"\u0627\u0644\u062d\u0635\u0631":[66],"\u0627\u0644\u0634\u0627\u0645\u0644\u060c":[67],"\u0628\u0639\u062f":[68],"\u0627\u0644\u062a\u062d\u0642\u0642":[69],"\u062b\u0628\u0627\u062a\u0647\u0627":[71],"\u0628\u0645\u0639\u0627\u0645\u0644":[72],"\u0623\u0644\u0641\u0627":[73],"\u0643\u0631\u0648\u0646\u0628\u0627\u062e":[74],"\u0628\u0644\u063a":[75],"(0.948).":[76],"\u062a\u0648\u0635\u0644\u062a":[77],"\u0648\u062c\u0648\u062f":[80],"\u0639\u0644\u0627\u0642\u0629":[81],"\u0648\u0623\u062b\u0631":[82],"\u0645\u0648\u062c\u0628":[83],"\u0648\u0642\u0648\u064a":[84],"\u062f\u0644\u0627\u0644\u0629":[86],"\u0625\u062d\u0635\u0627\u0626\u064a\u0629":[87],"\u0628\u064a\u0646":[88],"\u0648\u062a\u0645\u0648\u064a\u0644":[94],"\u0625\u0630":[98],"\u0641\u0633\u0651\u0631":[99],"\u0627\u0644\u0645\u062a\u063a\u064a\u0631":[100,108],"\u0627\u0644\u0645\u0633\u062a\u0642\u0644":[101],"\u0645\u0627":[102],"\u0646\u0633\u0628\u062a\u0647":[103],"(76.7%)":[104],"\u0627\u0644\u062a\u0628\u0627\u064a\u0646":[106],"\u0627\u0644\u062a\u0627\u0628\u0639.":[109],"\u0643\u0645\u0627":[110],"\u0628\u064a\u0651\u0646":[111],"\u062a\u062d\u0644\u064a\u0644":[112],"\u0627\u0644\u0627\u0646\u062d\u062f\u0627\u0631":[113],"\u0627\u0644\u0645\u062a\u0639\u062f\u062f":[114],"\u0623\u0646":[115,145],"\u0643\u0644\u064b\u0627":[116],"\u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629":[119],"\u0648\u0627\u0644\u0645\u0646\u0635\u0627\u062a":[120],"\u064a\u0624\u062b\u0631\u0627\u0646":[122],"\u0628\u0634\u0643\u0644":[123],"\u0645\u0633\u062a\u0642\u0644":[124],"\u0648\u062f\u0627\u0644":[125],"\u0625\u062d\u0635\u0627\u0626\u064a\u064b\u0627":[126],"\u0627\u0644\u062a\u0645\u0648\u064a\u0644\u060c":[128],"\u0645\u0639":[129],"\u062a\u0641\u0648\u0642":[130],"\u0646\u0633\u0628\u064a":[131],"\u0637\u0641\u064a\u0641":[132],"\u0644\u0644\u0628\u0639\u062f":[133],"\u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u060c":[134],"\u062f\u0648\u0646":[135],"\u0641\u0631\u0648\u0642":[136],"\u062a\u064f\u0639\u0632\u0649":[137],"\u0644\u0644\u0645\u062a\u063a\u064a\u0631\u0627\u062a":[138],"\u0627\u0644\u062f\u064a\u0645\u0648\u063a\u0631\u0627\u0641\u064a\u0629.":[139],"\u0648\u0623\u0638\u0647\u0631":[140],"\u0627\u0644\u062a\u062d\u0644\u064a\u0644":[141],"\u0645\u0633\u062a\u0648\u0649":[143],"\u0627\u0644\u0641\u0642\u0631\u0627\u062a":[144],"\u0643\u0644\u0641\u0629":[146,173],"\u0627\u0644\u062a\u0633\u0647\u064a\u0644\u0627\u062a\u060c":[147],"\u0644\u0627":[148,166],"\u0625\u062c\u0631\u0627\u0621\u0627\u062a\u0647\u0627\u060c":[149],"\u062a\u0645\u062b\u0644":[150],"\u0623\u0628\u0631\u0632":[151],"\u0646\u0642\u0627\u0637":[152],"\u0627\u0644\u0636\u0639\u0641":[153],"\u0627\u0644\u0642\u0646\u0627\u0629":[155,162],"\u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a\u0629\u060c":[156],"\u062d\u064a\u0646":[158],"\u062a\u0643\u0645\u0646":[159],"\u0627\u0644\u0645\u0634\u0643\u0644\u0629":[160],"\u0628\u0645\u062d\u062f\u0648\u062f\u064a\u0629":[164],"\u0625\u062a\u0627\u062d\u062a\u0647\u0627":[165],"\u0628\u062c\u0648\u062f\u0629":[167],"\u0623\u062f\u0627\u0626\u0647\u0627.":[168],"\u0648\u0623\u0648\u0635\u062a":[169],"\u0628\u0645\u0631\u0627\u062c\u0639\u0629":[171],"\u0647\u064a\u0643\u0644":[172],"\u0627\u0644\u0645\u0648\u062c\u0647\u0629":[176],"\u0644\u0644\u0634\u0631\u0643\u0627\u062a":[177],"\u0648\u062a\u0648\u0633\u064a\u0639":[180],"\u0625\u062a\u0627\u062d\u0629":[181],"\u062c\u063a\u0631\u0627\u0641\u064a\u064b\u0627":[184],"\u0648\u0648\u0638\u064a\u0641\u064a\u064b\u0627":[185],"\u0628\u062f\u0644\u064b\u0627":[186],"\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u0631":[188],"\u062a\u0637\u0648\u064a\u0631":[190],"\u0645\u064a\u0632\u0627\u062a\u0647\u0627":[191],"\u0627\u0644\u062a\u0642\u0646\u064a\u0629.":[192]},"counts_by_year":[],"updated_date":"2026-10-07T09:51:55.459714","created_date":"2026-10-05T00:00:00"}