Jalil, N.H. 2025. Extending UTAUT with Trust and Self-Efficacy: A Study of Mobile Banking Adoption in Post-Conflict Iraq. Jurnal Ekonomi, Manajemen, Bisnis dan Akuntansi. 2, 1 (Jun. 2025), 115–130. DOI:https://doi.org/10.37676/jemba.v2i1.935.