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The role of financial technology in improving the financial performance of banks: A field study on a sample of private banks in Erbil governorate
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Abstract:

               Today, the financial and banking sector is witnessing a qualitative shift thanks to financial technology services, which provide their services to many individuals and companies in quick, easy and less expensive ways compared to traditional means. Financial technology is a new form of financial science that combines financial transactions and technological skills concerned with providing financial services and improving the work environment within Banking institutions, and financial technology provides many advantages such as lower transaction costs, instant payment, and saving more time and effort in conducting banking operations and activities. Banks have taken this into consideration as they are the main engine of countries’ economies and are working to renew their basic structures based on what is required of ways to keep pace with this development. The performance of Drains It has become an urgent necessity to confront the wave of fierce competition imposed by financial technology, which is why banks are racing to possess modern technological

means and provide additional services to their customers, which gives them a competitive advantage in the market.

Hence, financial performance in banks is receiving increasing attention because optimal financial performance is the only way to maintain survival and continuity, ensure growth and expansion, and achieve appropriate market value. Financial performance is also one of the basic components of banks, as it provides an integrated system of accurate and reliable information to judge the efficiency of banks. In achieving its objectives effectively and to compare actual performance with pre-determined objectives, through certain indicators expressed in numbers to identify deviations, if any, and identify their causes to work to correct them.

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Publication Date
Sun Jan 16 2022
Journal Name
Iraqi Journal Of Science
A New Chromogenic Reagent for Determination of Copper (II) in Water Samples Using Flow injection-Technique.
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A new flow injection spectrophotometric method is described for the determination of copper ion Cu(II) in water samples (tap water and river water).The proposed method based on the formation of red complex [Cu(L)2(NO3)2] which has a maximum absorption at λmax=490 nm. Linear range for Cu (II) was from 5-70μg/mL with detection limit 2.55μg/mL. The effect of physical and chemical parameters were evaluated .The proposed method was applied successfully for determination of copper (II) in the tap and river water. [Cu(L)2(NO3)2] complex was prepared in a (2:1) mole ratio as ( reagent: copper (II)).The analytical reagent formed by reaction of thymol with 4-aminoantipyrine at room temperature. The metal complex was characterized by IR, UV-Visi

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Publication Date
Mon Aug 15 2022
Journal Name
International Journal Of Science& Research Archive
Nonalcoholic fatty liver disease in a group of Iraqi obese children attending children welfare teaching hospital
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Nonalcoholic fatty liver disease in a group of Iraqi obese children attending children welfare teaching hospital

Publication Date
Wed Jan 02 2019
Journal Name
Differential Equations And Dynamical Systems
Stability and Bifurcation in a Prey–Predator–Scavenger System with Michaelis–Menten Type of Harvesting Function
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Publication Date
Sat Feb 08 2025
Journal Name
Journal Of Baghdad College Of Dentistry
Fracture strength of laminate veneers using different restorative materials and techniques (A comparative in vitro stuy)
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Background: Esthetic correction represents one of the clinical conditions that required the use of laminate veneers in premolars region. Aim of the study: The purpose of this study was to evaluate the fracture strength of the laminate veneers in maxillary first premolars, fabricated from either composite (direct and indirect techniques) or ceramic CAD/CAM blocks. Materials and Methods: Fifty sound human maxillary premolar teeth were used in this in vitro study. Teeth were divided randomly into one control group and four experimental groups of ten teeth each; Group A: Restored with direct composite veneer (Filtek Z250 XT), Group B: Restored with indirect composite veneers (Filtek Z250 XT), Group C: Restored with lithium disilicate ceramic CA

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Publication Date
Tue Mar 15 2022
Journal Name
Journal Of Baghdad College Of Dentistry
Assessment of alveolar bone height in adolescents utilizing Cone Beam Computed Tomography: a retrospective radiographic analysis
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Background: To assess the alveolar bone crest level (ABCL) by Cone Beam Computed To-mography (CBCT) and to investigate several variables as predictors for the height of the alveolar bone in adolescents. Materials and methods: Age, sex, and ethnic groups were rec-orded for each patient. CBCT images were used to obtain measurements of the interproximal alveolar bone level from the cementoenamel junction (CEJ) to the alveolar crest. The highest measurement in each sextant was recorded along with any presence of a vertical bone defect or calculus. Results: Total of 720 measurements were recorded for 120 subjects. No vertical bony defects or calculus were observed radiographically. Statistically significant (P< 0.05) differences were observed be

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Publication Date
Thu Feb 01 2018
Journal Name
Applied Energy
Solidification enhancement of PCM in a triplex-tube thermal energy storage system with nanoparticles and fins
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Publication Date
Wed Dec 01 2021
Journal Name
Open Biology
Structure and in silico simulations of a cold-active esterase reveals its prime cold-adaptation mechanism
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Here we determined the structure of a cold active family IV esterase (EstN7) cloned from Bacillus cohnii strain N1. EstN7 is a dimer with a classical α/β hydrolase fold. It has an acidic surface that is thought to play a role in cold-adaption by retaining solvation under changed water solvent entropy at lower temperatures. The conformation of the functionally important cap region is significantly different to EstN7's closest relatives, forming a bridge-like structure with reduced helical content providing greater access to the active site through more than one substrate access tunnel. However, dynamics do not appear to play a major role in cold adaption. Molecular dyn

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Publication Date
Thu Feb 01 2018
Journal Name
Journal Of Engineering
Aspects of General & Secondary Indicators that form a Local System to assist Sustainability Verification in Buildings
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The research focuses on how to reach a mechanism that assists experts, engineers, and others in the architectural & engineering project to verify the co-existence of values and sustainability constituents in it. Research problem shows a clear lack, locally, in the interest to establish a value system and a list that cares about comprehending building components whether considering sustainable building criteria. Hypothesis shows that in order to head towards the applicable sustainable approach of buildings, then a local assessment system should be established to evaluate buildings during its life cycle, and from which buildings would be categorized as sustainable or not. Research aims at establishing main and general

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Publication Date
Sat Feb 08 2025
Journal Name
Journal Of Baghdad College Of Dentistry
Oral health status in relation to selected salivary elements among a group of gasoline stations workers
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Background: Gasoline constituents and its derivatives had many hazardous effects on the general health of humans. Thus, gasoline stations workers may be affected by different types of related diseases.This study was conducted to assess selected salivary elements and their relation with dental caries, oral hygiene status and periodontal diseases among gasoline stations workers in comparison with individuals have no regular exposure to gasoline. Materials and methods: The study group consists of thirty male subjects with an age range (33-39) years who worked in different gasoline stations in different areas of Baghdad city and thirty persons that matching in age and gender and not exposed to gasoline were selected as a control group. Dental c

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Publication Date
Thu May 28 2020
Journal Name
Iraqi Journal Of Science
A Prey-Predator Model with Michael Mentence Type of Predator Harvesting and Infectious Disease in Prey
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A prey-predator model with Michael Mentence type of predator harvesting and infectious disease in prey is studied. The existence, uniqueness and boundedness of the solution of the model are investigated. The dynamical behavior of the system is studied locally as well as globally. The persistence conditions of the system are established. Local bifurcation near each of the equilibrium points is investigated. Finally, numerical simulations are given to show our obtained analytical results.

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Scopus (9)
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