Hamza QK. THE IMPACT OF DIGITAL TRANSFOTMATION ON THE QUALITY OF FINANCIAL SERVICES: AN EMPIRICAL STUDY OF THE FINANCE DEPARTMENT AT THE UNIVERSITY OF TIKRIT. KSR [Internet]. 2026 Oct. 21 [cited 2026 Oct. 22];3(4):650-86. Available from: https://bulletin.ouk.kz/index.php/bulletin/article/view/172