THE EFFECT OF CLOUD-BASED SOFTWARE AND REAL-TIME DATA ON OPERATIONAL EFFICIENCY AND COST COMPETITIVENESS IN JORDANIAN BANKS. Lex localis - Journal of Local Self-Government, [S. l.], v. 23, n. S6, p. 4105–4119, 2025. DOI: 10.52152/h6nrbj11. Disponível em: https://lex-localis.org/index.php/LexLocalis/article/view/802392. Acesso em: 29 oct. 2025.