HAMZA, Q. K. THE IMPACT OF DIGITAL TRANSFOTMATION ON THE QUALITY OF FINANCIAL SERVICES: AN EMPIRICAL STUDY OF THE FINANCE DEPARTMENT AT THE UNIVERSITY OF TIKRIT. Kyzylorda Scholarly Review, [S. l.], v. 3, n. 4, p. 650–686, 2026. Disponível em: https://bulletin.ouk.kz/index.php/bulletin/article/view/172. Acesso em: 22 oct. 2026.