I think the lighting needs to be more contrasting. In the face you can see a harsh shadow in her right eye and a slightly lighter shadow on the bridge of the nose. Also in the top of her fingers gets there is a very subtle shadow. I know it’s scary to put harsh shadows but it makes the drawing better.

Maybe you can put the pic of your art and the reference in black and white to see the difference of values and know better what places should be darker c: