sakhri, Abdelwaheb, and soumaya benali. “Analyzing the Reality of Financial Technology in the Middle East and North Africa (MENA) Region: Reading of Challenges and Possibilities ”. Journal of Research in Finance and Accounting 6, no. 01 (July 12, 2021): 402–418. Accessed February 26, 2026. https://journals.univ-msila.dz/index.php/jorfa/article/view/7502.