روفية ضيف. “A Reality of the Digital Transformation of Banks in Africa: Banking Services through Smart Phones As a Model”. Finance and Business Economies Review 7, no. 4 (December 31, 2023): 56–77. Accessed July 27, 2024. https://jiamcs.centre-univ-mila.dz/index.php/fber/article/view/1754.