Salman Nikka, D. N. . . . . . . and AbdelMoneim Aziz, H. (2022) “Reducing the cost, development and pricing of banking using targeted cost management technology”, Baghdad College of Economic Sciences University Journal (BCESUJ), 69(7), pp. 1–17. Available at: https://bcuj.baghdadcollege.edu.iq/index.php/BCESUJ/article/view/225 (Accessed: 15 November 2026).