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), pp. 23–34. doi: 10.31149/ijefsd.v8i2.5648.