مؤشرات الشمول المالي و أثرها على الأداء المالي : التكنولوجيا المصرفية (متغيرا تفاعليا)‎ : دراسة تطبيقية في القطاع المصرفي العراقي 2015-2020

Abstract EN

Financial inclusion represents one of the modern scientific trends in the field of banking, which aims hard to deliver banking services to all segments of society at the lowest cost, time and effort.The study aims to test the interactive role of the variable banking technology in the relationship between (financial inclusion and financial performance) in the Iraqi banking sector.

The importance of the study comes from the scarcity of studies that tried to identify and know the nature of the relationship between the variables (financial inclusion, financial performance, banking technology), as well as the attempt of the current study to address a realistic problem that directly affects the performance of banks.To achieve the objectives of the study, a model was formulated consisting of three main variables, and three main hypotheses were derived from each hypothesis.

By adopting the descriptive analytical method, it targeted the banking sector as a sample for the study and collecting the necessary data from the statistical bulletins and annual reports issued by the Central Bank of Iraq, in addition to the researcher conducting a number of personal interviews for some Central Bank employees.Based on the use of path analysis in hypothesis testing, the results showed a significant effect of the interaction of banking technology in the two variables, financial inclusion and financial performance, and in light of this, conclusions and recommendations were drawn up.