Mohammed Muneam Ali, Yasir Majeed Dahdooh and Layth Abdul Hamza Ghazzay 2026. Banking Digitalization as an Approach to Enhancing Financial Inclusion: An Analytical Study of the Role of Banking Services in Empowering the Unbanked. International Journal on Economics, Finance and Sustainable Development. 8, 2 (Apr. 2026), 23–34. DOI:https://doi.org/10.31149/ijefsd.v8i2.5648.