A, Aziz, Gulderan, and Mohamad Sh. Mohamad. “The Role of Banking Merger in Achieving Competitive Advantage A Survey of A Sample of Bank Managers’ Opinions in Erbil”. Regional Studies Journal (RSJ) 18, no. 59 (January 1, 2024): 285–310. Accessed September 10, 2025. https://edusj.uomosul.edu.iq/index.php/rsj/article/view/48351.