Aridah MW, Ramadhan S, Ahmed F, Khorsheed H, Obaied S, Aldulaimi A. Extending UTAUT2 with Perceived Risk and Trust: Evidence from Digital Banking Adoption in the Kurdistan Region of Iraq. ESJ [Internet]. 2026Mar.10 [cited 2026Mar.10];510:1. Available from: https://eujournal.org/index.php/esj/article/view/20730