Hamza, Q. K. (2026) “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, 3(4), pp. 650–686. Available at: https://bulletin.ouk.kz/index.php/bulletin/article/view/172 (Accessed: 22 October 2026).