The Relationship between Customer’s Personal Characteristics and Usage of Electronic Banking Services. J Univ Hum Dev [انترنت]. 31 أغسطس، 2016 [وثق 2 أكتوبر، 2026];2(3):498-501. موجود في: https://journals.uhd.edu.iq/index.php/juhd/article/view/550