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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.
Co-Authors Layth Abdul Hamza Ghazzay Mohammed Muneam Ali