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