HUSSEIN ALI, Ayat Salih; 						NAJM AL-SHAMMARI, Ayat Mohammed.
 The Impact of Financial Technology on Customers Decisions in Bank Selection: An Analytical and Applied Study in Private Banks in Karbala Governorate.
<strong>NIU Journal of Social Sciences</strong>, [S.l.], v. 12, n. 3, p. 263-273, sep. 2026.
ISSN 3007-1690.
Available at: &lt;<a href="https://www.niujournals.ac.ug/ojs/index.php/niujoss/article/view/2747" target="_new">https://www.niujournals.ac.ug/ojs/index.php/niujoss/article/view/2747</a>&gt;. Date accessed: 01 nov. 2026.
doi: <a href="https://doi.org/10.58709/niujss.v12i3.2747">https://doi.org/10.58709/niujss.v12i3.2747</a>.