Salman Nikka, Dr. Nada, and Haider AbdelMoneim Aziz. 2022. “Reducing the Cost, Development and Pricing of Banking Using Targeted Cost Management Technology”. Baghdad College of Economic Sciences University Journal (BCESUJ) 69 (7):1-17. https://bcuj.baghdadcollege.edu.iq/index.php/BCESUJ/article/view/225.