MAZEN ISMAEEL, HOGER MAHMUD, A. A. A. A. E-Payment: Prospects, Challenges and Solutions in KRG Public Sector. International Journal of Engineering and Computer Science, india, v. 4, n. 09, 2015. Disponível em: http://ijecs.in/index.php/ijecs/article/view/3102. Acesso em: 7 may. 2024.