“Using Panzer - Rosse Model for Measuring Banking Competition: An Empirical Study on Iraqi Traditional Banks Using Panel Data Method for the period 2011-2017” (2021) Journal of Al-Rafidain University College For Sciences ( Print ISSN: 1681-6870 ,Online ISSN: 2790-2293 ), 46(1), pp. 98–121. doi:10.55562/jrucs.v46i1.71.