2021. Using Smart Card to Pay the Salaries of Retirees - Exploratory Research in Al-Rasheed Bank. Journal of Al-Rafidain University College For Sciences ( Print ISSN: 1681-6870 ,Online ISSN: 2790-2293 ). 40, 2 (Oct. 2021), 1–28. DOI:https://doi.org/10.55562/jrucs.v40i2.191.