“The Impact of Digital Transformation Strategies on Digital Dexterity A Descriptive Analytical Study of the Opinions of a Sample of Leaders in Private Banks in the Central Euphrates Provinces (Babylon, Holy Karbala, Noble Najaf, Al-Qadisiyyah, Al-Muthanna)” (2026) Nanar Journal for Humanities and Social Scienes, 2(3), pp. 96–115. doi:10.64002/6fr8zd50.