دور التسويات البنكية الاليكترونية في القيمة السوقية للبنوك : دراسة تطبيقية في عينة من المصارف التجارية العراقية المدرجة في سوق العراق للأوراق المالية للمدة (2012-2019)‎

Abstract EN

The study aimed to know the direction of the components of the electronic banking adjustments variable in Iraq to the banks of the research sample, as banks provide solutions that are efficient and effective in the field of increasing the market value of their shares listed in the Iraqi market for securities.

As electronic banking settlements seek to achieve several advantages, including completing financial transactions quickly, accurately and effectively, as well as reducing costs and overcoming human errors that may occur when performing traditional settlement operations, which contributes to developing and developing the capabilities of the banking sector and its reflection on enhancing the ability of banks to survive and grow and overcome all obstacles That stands in the way of this, as the use of electronic banking processes to manage and execute financial activities has become an indispensable choice for the purpose of meeting the needs of the business environment and responding to the challenges of global competition in this regard in order to invest opportunities T offered by the knowledge economy.

So this study started from the problem of whether electronic banking adjustments maximize the market value of banks? And if so, will the market value be boosted by high financial performance indicators? Or will it reflect negatively on her? Will the market value be affected, or not? Which of the indicators of electronic banking settlements have more influence on the market value of banks? The research included a sample of the commercial banks listed on the Iraq Stock Exchange.

The study used a set of statistical analyzes and tests using the statistical financial programs SPSSv.24, and the study reached a set of conclusions, the most important of which is that the electronic banking settlement system is moving towards the bank's activity and level of profitability, which leads banks to increase dealing with it to reduce risks, even if these The rates are on the rise and fall due to the weak stability of the transfer amounts achieved in each period according to the banking and financial activity during the research years and because of the economic conditions that Iraq has passed through, especially in recent years, as well as the electronic banking settlements affect the values Market for all banks, as the Assyrian International Bank for Investment achieved the highest impact rate from the rest of the banks through all indicators Alknrouti bank settlements, while the Bank of Baghdad achieved an impact with the two indicators and in lesser proportions, while each of the banks (Iraqi Commercial, Business Bay, Al-Ahly Iraqi) achieved an effect With one indication (CH).

The study concluded with a set of recommendations, the most important of which is to work to enhance dealing with electronic banking settlement systems and to develop the amount of money included in the system by intensifying cooperation between participating banks through the service of customers of any common banks that provide electronic payment services, as well as promoting a culture of dealing with electronic payment methods as the most important input The electronic clearing system through advertising campaigns in which the relevant banks participate and show that the electronic transfer service or the ATM is the same and with the same cost for all banks.