الخدمات المصرفية الإلكترونية و أثرها على أداء الجهاز المصرفي العراقي

Abstract EN

The banking system is one of the most important financial institutions which play avital role in the economy, The global progress in information technology has resulted in advanced means of providing modern banking services, especially electronic ones, As far as the Iraqi banking system is concerned, the Iraqi banking system seeks to achieve the highest efficiency in its performance, Through the provision of electronic services.

This study aims to achieve the following objectives: 1.

Identify electronic banking services in the Iraqi banking system.2.

The impact of electronic banking services on the performance of the banking system.

Therefore, the title of the study ((Electronic banking services and their impact on the performance of the Iraqi banking system)) was chosen on this basis.

This study was used to identify the impact of modern electronic services, which were considered independent variables, namely: (number of ATMs, number of POS points, quarterly value of RTGS, and quarterly value of electronic clearing).

(Profitability, liquidity, and capital adequacy), as an empirical study, relying on statistical analysis tools and using Eviews10.

The study reached a number of conclusions, including: 1.

Electronic banking services contribute to the development of the Iraqi banking system and make it keep pace with global developments in the service of banks.2.

Statistical results revealed the existence of a statistically significant correlation between e-services indicators and banking financial performance indicators.