دور تكنولوجيا المعلومات المصرفية في تعزيز الشمول المالي دراسة تحليلية لعينة من المصارف العراقية
Banking Information Technology Role in Promoting Financial Inclusion: An Analytical Study of a Sample of Iraqi Banks
- الباحث
- أمل حسين شاكر
- المشرف
- أ.د. حسن كريم حمزة الذبحاوي
- الجامعة
- جامعة الكوفة
- الكلية / القسم
- الإدارة والاقتصاد / العلوم المالية والمصرفية
- الشهادة
- ماجستير
- السنة
- 2022
- لغة الرسالة
- عربي
- الكلمات المفتاحية
- تكنولوجيا المعلومات المصرفية;الشمول المالي;المصارف العراقية;الخدمات المصرفية
Abstract
Banking sector represents the backbone of economic life in any country in the world as it plays the primary role in financing economic development. There is no development today without an effective and developed banking sector in the field of performance and upgrading banking services with the beneficiaries. The most important characteristic of banking is the increasing development of banking technology in order to modernize the systems and means of providing banking operations and innovating modern techniques for banking service, all of which leads to the expansion of the market share of customers and increasing confidence with them, in addition to enabling more social segments to obtain banking service, including those with low incomes. The research aimed to study and analyze the correlation and impact relationship between the dimensions of banking information technology and the dimensions of financial inclusion, as represented by its statistical community in the Iraqi commercial banking sector (governmental and private). A sample was taken of the commercial banks located in the Middle Euphrates region. A questionnaire was prepared to ensure the existence of a relationship between the variables of the study (Banking Information Technology) as an independent variable, and (financial inclusion) as a dependent variable, accordingly (270) questionnaires were distributed on the employees to ensure the retrieval of the minimum sample that consists of (200) employees, The data was analyzed for (200) retrieved questionnaires using a number of statistical tests within the statistical programs (Spss-v26) and (SmartPLS) program. The study came out with the most important conclusions such as: There is a significant correlation between banking information technology (the independent variable) and financial inclusion (the dependent variable) at the total level, while the study did not prove a significant effect between the variables (hardware, equipment, software, human resources) on financial inclusion at the micro level. The researcher made a set of recommendations, the most important of which was the necessity of the commitment of the senior management in the Iraqi banking sector to the development of banking information technology, as well as keeping pace with modern technical developments and paying more attention to the subject, as this leads to more quality and speed in completing the daily tasks of bank employees.
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