استخدام الخوارزميات الذكية في نمذجة الحلول المصرفية الأساسية لتحقيق الاستدامة المالية: دراسة تحليلية مقارنة لعينة من المصارف العراقية والأردنية للمدة (2010-2020)‎

Abstract EN

The process of banking integration between the public and private sectors in iraq constitutes a non-integrated building cycle in terms of customer service and advancing the economic reality of the country.

the Iraqi private banks represented a link in this integration, however, it did not provide an integrated vision to support the investment side of the productive sectors, starting from the social sectors and their human resources, to the industrial and agricultural sectors, therefore, basic banking solutions represent a basic interface to overcome such obstacles and improve the reality of the banking sector, this can be demonstrated through electronic modeling of core banking solutions using smart algorithms in order to achieve the financial sustainability of these banks.

as the Iraqi banking studies did not contribute to diagnosing such inputs to obtain integrated financial sustainability outputs that work to complete the economic cycle, therefore, our current study focused on the use of a smart logarithmic system linked with a multifunctional decision for the purpose of linking the inputs of core banking solutions and the outputs of financial sustainability with its financial dimensions, the analytic hierarchy process (AHP) represented the smart engine for this system to obtain the optimal state of financial sustainability for both Iraqi and Jordanian private banks, in the current study, a random sample of (10) Iraqi banks and (10) Jordanian banks were relied on and compared to obtain the optimal weight and inferred it as an optimal output for both financial sustainability and performance, according to which the results showed that the optimum weight for core banking solutions in relation to financial sustainability is done through electronic banking services systems, global financial settlements, hence, this discrepancy in the values of the optimal weight for each of the Iraqi and Jordanian private banks shows the imbalance in the effectiveness of money laundering and automated teller systems according to the standard predictions by the AHP system, and therefore these results are consistent with the needs of Iraqi banks to correct the course of their operations all according to the report of transparency international.