ملخص البحث :
This research aims to clarify the role and importance of digital finance as one
of the recent changes that occurred in the banking sector, especially the Iraqi
banking sector and an indication of its role in enhancing profitability, as Real-
Time Gross Settlements (RTGS) and Automated Clearing House (ACH) were
adopted as two dimensions of digital finance for the period (2012-2019),
while it was adopted to measure the profitability variable, two dimensions,
Return on Equity (ROE), and Return on Assets (ROA) for the period (2000-
2021).
As three leading Iraqi banks in this field were adopted, as well as the
adoption of the analytical approach in data analysis and spss 21 programming
to test hypotheses, as the study found that there is a positive impact of the
two dimensions of digital finance on the profit side of the research sample
banks, while the study concluded that the experience of digital finance, it is
still in the process of being established for the Iraqi banking sector and needs
a large infrastructure to make it successful in order to ensure survival in the
market and achieve a competitive advantage.
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سنة النشر : 2023
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تصنيف البحث : thomson reuters
- تحميل