"Evaluation of Profitability Factors of Digital Banks in the UK From 2018 to 2023 , PANEL data analysis" (2024) Journal of Economics and Management Sciences, 24(01), ص 49–60. موجود في: https://revuejems.univ-setif.dz/index.php/jems/article/view/437 (تاريخ الوصول: 25 أكتوبر 2026).