lazreg, fatima, and Rabiha nemer. “THE REALITY OF APPLYING MODERN FINANCIAL TECHNOLOGIES IN THE ISLAMIC BANKING INDUSTRY : THE EXPERIENCE OF SOUDI ARABIA”. Journal of Research in Finance and Accounting 8, no. 01 (June 30, 2023): 420–439. Accessed April 2, 2026. https://journals.univ-msila.dz/index.php/jorfa/article/view/3355.