قياس و تطوير الخدمات المصرفية في إقليم كوردستان العراق : دراسة تحليلية

Abstract EN

The development of banking services and keeping abreast of successive technological developments in banking industry, attention to the quality of services and achieving customer desires have become one of the main entry points for increasing and developing the competitiveness of banks.

From this perspective emerges the problem of our research, which focuses on highlighting the mechanisms that enable the development of banking services and achieve the requirements to increase the competitiveness of banks in the Kurdistan Region of Iraq in light of the new economic climate.

One of the reasons for the failure of the Iraqi commercial banks is the weak interest of their management in the marketing function and this explains the absence of independent units for marketing, marketing activities are practiced in a specific scope by specialized administrative units and lack of a clear and written policy regarding banking products provided by Iraqi commercial banks, and that planning process and developing services in it is not subject to an organized planning process, as the governmental banks that have become accustomed to support and immunity by the state are still adopting work policies and procedures that did not go beyond the traditional and familiar which is not consistent with global banking developments On the one hand and it isn't consistent with the changes in the economic and social conditions and the changing environment of the banking market in Iraq on the other hand, and that the modern private banks were born in inappropriate conditions that didn't have the opportunity to start required to improve the banking situation, which is still below the required level, especially in performance good and speedy completion of business, government banks focus on the policy of strengthening its branch network and spreading it geographically as first priority in the development and development of its service market, while private banks focus on spreading their current customers and increasing their rates of use of existing services as first priority with a view to penetration and access in its current markets.