root, root. “"Multichannel Marketing Strategy and Its Impact on Banking Performance According to the Return on Assets (ROA) Indicator: An Applied Study on a Sample of Commercial Banks Listed in the Iraq Stock Exchange (2014-2023)"”. Warith Scientific Journal, Vol. 8, no. 25, Mar. 2026, pp. 39-53, doi:10.57026/wsj.v8i25.714.