Al-Balah, A. H., Ramadhan, H. and Abdulhaq, A. (2025) “The Role of IT Capabilities in Enhancing Digital Banking Services: An Exploratory Study of a Sample of Private Banks in Mosul”, PROSPECTIVE RESEARCHES, 25(1), pp. 32–41. doi: 10.61704/jpr.v25i1.pp32-41.