Hussain, Omead, and Krushna Padole. “Perception and Opinion of Customers towards Automated Teller Machine Services With Special Reference to Kurdistan Region”. Cihan University-Erbil Journal of Humanities and Social Sciences 4, no. 1 (February 10, 2020): 31-40. Accessed June 26, 2022. https://journals.cihanuniversity.edu.iq/index.php/cuejhss/article/view/169.