The Role of Financial Digitalization in Achieving Efficient Financial Performance Applied Research into Some Banks Listed on the Iraqi Stock Exchange

Kareem Hasan  Ali; Makki Shahad Dahham; Jasim Mohammed  Yaseen

doi:10.31149/ijefsd.v6i7.5291

Kareem Hasan Ali College of Physical Education and Sport Sciences, Al-Qasim Green University Babylon, Iraq
Makki Shahad Dahham College of Science, Al-Qasim Green University Babylon, Iraq
Jasim Mohammed Yaseen College of Science, Al-Qasim Green University Babylon, Iraq

DOI: https://doi.org/10.31149/ijefsd.v6i7.5291

Keywords: digital finance, efficient financial performance, commercial banks

Abstract

The primary objective of the study is to find or study the impact of digital finance, represented by the following dimensions (electronic bank branches, automated teller machines, electronic payment cards, and open banking services), on achieving efficient financial performance (capital adequacy, profitability, credit risk, liquidity) in commercial banks listed on the Iraqi Stock Exchange for the period (2015-2021). In order to achieve the goal of this study, statistical methods models were relied upon, using the least squares method, as the results of the study concluded that the relationship between financial digitalization and the efficiency of financial performance constitutes A positive linear relationship, meaning that the greater the financial digitization, the more efficient the financial performance. The research also presented a set of recommendations that relevant authorities can use.

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