The impact of electronic payment methods on the efficiency of banking performance: An applied study in the Iraqi banking sector for the period from 2018-2022

Authors

  • Mohammed Y. Alsharaby Department of banking and financial Sciences, College of administration and economics, University of Mosul, Iraq

DOI:

https://doi.org/10.56967/ejfb2024413

Keywords:

electronic payment methods, banking performance, the Iraqi banking sector, profitability, liquidity, operating efficiency

Abstract

The Iraqi banking sector is working to keep pace with modern banking technologies, and with the aim of exploring the impact of electronic payment methods on the efficiency of banking performance, three standard models were built for the Iraqi banking sector, for the period (January 2018-December 2022) with monthly data, so that the number of time series observations for each model reaches (60) View.

The research found a positive impact of electronic payment methods on the financial performance of the Iraqi banking sector, by raising its level of profitability and reducing its costs, in addition to the important role played by managing its liquidity and reducing its risks. Electronic payment methods also had a negative impact on the efficiency of internal operations management through... Its inability to reduce the effort and speed in completing operations and responding to customer requirements, due to adherence to traditional methods of completing banking work and the limited use of technology for archiving, which has reinforced the episodes of red tape in banking work, and has had negative effects on the quality of banking services.     

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Published

2024-04-25

How to Cite

alsharaby م. (2024). The impact of electronic payment methods on the efficiency of banking performance: An applied study in the Iraqi banking sector for the period from 2018-2022: . Entrepreneurship Journal for Finance and Business, 5(2), 143–152. https://doi.org/10.56967/ejfb2024413

Issue

Section

Research articles

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