التحول الرقمي للعمليات المصرفية كأداة لتطوير الأداء المالي : الاستراتيجي لمصرف بغداد انموذجا

الملخص EN

The current study aimed to identify the nature of digital transformation of banking operations, analyze strategic financial performance indicators, and test the effect of digital transformation of banking operations through its dimensions (RTGS, electronic payment, electronic clearing), on strategic financial performance according to four indicators (profitability Liquidity, solvency of capital, employment), the research was chosen for the Bank of Baghdad listed on the Iraq Stock Exchange and to achieve the objectives of the research, a hypothetical scheme was developed that defines the relationship between the independent variables and the adopted variables, by analyzing the correlation and regression relationship by using a set of statistical methods such as Pearson correlation is to measure the correlation relationship between variables and the use of simple linear regression, relying on the financial data based on the directory of Iraqi companies listed on the Iraq Stock Exchange and the electronic payments department in the Central Bank, and the research reached a set of conclusions, the most important of which is the ence of a significant correlation and impact relationship.

Morale between the digital transformation of banking operations and strategic financial performance, and most important recommendations reached by working on promoting modern methods of banking and responding to digital challenges, through its business model and services, so that banks can achieve their goals and reach high and distinct levels of financial performance