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All Journal IJEFSD Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan
Yasir Majeed Dahdooh
University of Al-Qadisiyah College of Science Chemistry Department
Economics, Econometrics & Finance Other

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The Impact of Digital Banking Transformation on Financial Performance and Risk Reduction in a Sample of Iraqi Commercial Banks for the Period 2020-2025 Yasir Majeed Dahdooh
Jurnal Ekonomi, Manajemen, Akuntansi dan Keuangan Vol. 7 No. 4 (2026): October
Publisher : Penerbit Jurnal Indonesia

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.53697/emak.v7i4.4163

Abstract

The research aims to analysis effect Transformation digital banker on performance financial and reduction risks in sample from banks commercial Iraqi, It is : Bank Al-Mansur, bank via Iraq, bank the East Middle, bank Mosul, bank Investment, and bank Erbil, That's during The period (2020–2025) . Acquired the topic importance Increasing in shadow Orientation Global about digitization Finance And adopt Technologies Modern in presentation Services Banking . Approved . Search on Curriculum Descriptive Analytical, from during Use Data Finance extracted from Reports Annual For banks place the study, Please on Data Bank Central Iraqi . And it was measurement Transformation digital via group from Indicators, From it spread Services Banking Electronic, and level Investment in technology Information and size Transactions Digital . In when It was completed measurement Performance Financial Using Indicators Profitability And efficiency, like Return on Assets ( ROA ) and Return on rights Ownership ( ROE ) , As for Risks Banking Lost It was completed measuring it from during Indicators risks Credit Liquidity And operation . Connection . Search to presence relationship The indication Statistics between Transformation digital And improved Performance Financial For banks, Please on turn in discount some Types Risks, Especially Risks Operational . As well . Showed Results presence disparity between banks in degree Benefit from Transformation Digital, He returns to difference levels Structure Infrastructure Technology and strategies Digital Approved . Recommended . Search Necessity Strengthening Investment in Technologies Digital, and development Structure Infrastructure Banking, And adopt Strategies Digital Integrated, In what Contributes in to improve Performance Financial and reduce Risks, and strengthening ability competitiveness For banks Iraqi in the environment Banking Modern.
Banking Digitalization as an Approach to Enhancing Financial Inclusion: An Analytical Study of the Role of Banking Services in Empowering the Unbanked Mohammed Muneam Ali; Yasir Majeed Dahdooh; Layth Abdul Hamza Ghazzay
International Journal on Economics, Finance and Sustainable Development Vol. 8 No. 2 (2026): International Journal on Economics, Finance and Sustainable Development (IJEFSD
Publisher : Research Parks Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31149/ijefsd.v8i2.5648

Abstract

The research aims Search to analysis role digitization Banking in Strengthening Inclusion Financial in Iraq, from during evaluation effect Services Banking Digital on Enabling Categories not Included By system Financial Official . Approved . Search on Methodology My analysis quantitative Based on to Data Sample Panel Data from banks Commercial Iraqi during The period 2015–2024 , included Indicators Inclusion Financial like number the accounts Banking Open, size Transactions Electronic, and percentage Loans The guide For individuals and companies The small one, In exchange Indicators For digitization Banking It was represented in spread Services Banking via The phone Mobile and the internet and size Investments in Structure Technology . It was Use Models decline For data Tablet ( Fixed Effects) Random Effects ( add ) to a test Haussmann To check from The model The most suitable, as It was completed Asylum to Models Variables Instrumental ( IV ) treatment probability Link reverse between digitization Height demand on Services Banking . It showed Results presence effect positive This indication Statistics For digitization Banking in Strengthening Inclusion Financial from during more Use Transactions Electronic and facilitation to open the accounts on Distance . As well. She showed Results Contrast in size impact between banks Government And private, so He was impact greater in banks Private The most flexibility in adoption Technologies Modern. And concludes Search to that digitization Banking Represent path effective To expand a base Inclusion Financial in Iraq, Provided to support Structure Infrastructure Digital and strengthening trust Services Electronic . And it offers Search Number from Recommendations For manufacturers decision and banks To improve Access to Services Finance and enabling Categories not Included Banking-wise.
Using Artificial Intelligence to Predict Financial and Administrative Risks: An Applied Study on Development International Bank for Investment and Funding for the Period 2015–2024 Mohammed Muneam Ali; Yasir Majeed Dahdooh; Layth Abdul Hamza Ghazzay
International Journal on Economics, Finance and Sustainable Development Vol. 8 No. 1 (2026): International Journal on Economics, Finance and Sustainable Development (IJEFSD
Publisher : Research Parks Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31149/ijefsd.v8i1.5598

Abstract

Research aims to set effect Use Technologies intelligence artificial in Prediction At risk Finance And administrative, That's from during study Applied on bank Development International For investment and financing For the period Extended From 2015 to 2024. Launching Search from The need Increasing I have Institutions Banking to development tools analytical more capacity on Dealing with Complexity growing in Data, and strengthening accuracy Decisions Private Management Risks, no Sima in shadow Changes Economic Finance that I witnessed it market Iraqi during years The latter. And it has I depend Search Methodology In practice built on analysis Data Historical For the bank, Design Models predictive Using Technologies intelligence artificial, like Models forests randomness and XGBoost and networks Nervousness, With the aim comparison Her ability on Prediction At risk In exchange Methods traditional Approved in administration The risks. Also Eat Search group from Variables Finance And administrative, like Indicators stumbling Credit, levels Liquidity, adequacy head the money, Indicators Compliance And governance, and rotation Employees, and extent Its reflection on level Exposure For risks in The bank and it arrived. Search to that Use intelligence artificial maybe that Enhances accurately greater ability on Discovery early on Risks, And reduces from levels non certainty when Taking Decisions, Please on His contribution in to improve efficiency Allocation Resources and strengthening quality Governance Interior. As well. an offer Search group Recommendations practical To promote to merge Models smart in system administration Risks, Guarantee Sustainability Her performance from during Review Periodic and governance Models.
The Role of Artificial Intelligence Technologies in Improving Tax Collection Procedures: An Applied Study at the Iraqi General Authority for Taxes for the Period 2020–2024 Mohammed Muneam Ali; Yasir Majeed Dahdooh; Layth Abdul Hamza Ghazzay
International Journal on Economics, Finance and Sustainable Development Vol. 8 No. 1 (2026): International Journal on Economics, Finance and Sustainable Development (IJEFSD
Publisher : Research Parks Publishers

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.31149/ijefsd.v8i1.5611

Abstract

This research aims to analyze the role of artificial intelligence (AI) technologies in improving tax collection procedures within the Iraqi General Authority for Taxes during the period 2020–2024, in light of the challenges facing tax administration, such as increasing cases of tax evasion, data fragmentation, and the slowness of manual procedures. The research adopted an applied methodology combining quantitative and qualitative analysis, relying on administrative data and internal reports from the Authority, in addition to the opinions of specialists working in the collection and audit departments. The applied aspect included designing a prototype based on machine learning algorithms (such as XGBoost and Isolation Forest ) for the early detection of tax risks, analyzing anomalies in tax returns, and targeting the most likely cases of tax evasion. The research also explored the potential of using natural language processing (NLP) technologies to extract data from unstructured invoices. The results showed that integrating AI technologies into collection processes can contribute to increasing the net collection rate, reducing processing time, and improving the accuracy of detecting tax evasion cases compared to traditional methods. The research also indicated that the successful implementation of these technologies depends on data quality, system integration, and the provision of a supportive legislative and regulatory environment. The research concludes with a set of recommendations, most notably the establishment of a specialized data analysis unit within the authority, the development of a unified data infrastructure, the adoption of training programs to enhance the capabilities of workers in the field of artificial intelligence, in addition to establishing a governance framework that ensures transparency and privacy protection in the use of tax data.
Co-Authors Layth Abdul Hamza Ghazzay Layth Abdul Hamza Ghazzay Mohammed Muneam Ali Mohammed Muneam Ali