Preferred Language
Articles
/
jpgiafs-910
Electronic Payment System and its impact on the efficiency of the performance of banking: An applied research on a sample of banking sector in Iraq
...Show More Authors

The electronic payment systems are considered the most important infrastructure for the work of banks, particularly after a steady and remarkable development in information and communication technology, Which created the reality of the work of the infrastructure for these systems and these systems also become one of the most important components of infrastructure for the work of banks, cause it is one of the most important channels through which the transfer of cash, financial instruments between financial institutions in general and banking in particular.

     In order to achieve the objectives of the research, the most important to identify the concept of electronic payment systems, and its divisions, and the statement of the concept of banking performance, and get to know his standards, and to identify the elements of efficiency in the banking service, the research has included the relationship between the electronic payment systems as an independent variable, and the efficiency of the banking performance as the dependent variable.                                                                              

     The research sample has included of payments department in the Central Bank of Iraq, and the department of payments in each of Al- Rafidain Bank and AL- Rasheed Bank, additionally to the Trade Bank of Iraq, and Ashur International Bank for Investment, and Iraqi Middle East Investment Bank, Bank of Baghdad, and National Bank of Iraq, Commercial Bank of Iraq and Bank of the Audi branch of Iraq, a sample of (72) employees was chosen and supplied with questionnaires.

     The researchers has reached several conclusions such as:

  1. The electronic payment systems contribute to reducing the time and costs required for transfers of money and financial instruments, also it is contributed to innovation new methods in completing the banking business, and reduce the risks of currency trading traditional form.
  2. These systems have contributed to pay price for goods and services in a smooth and safe methods better than before, which reflected positively on the efficiency of the banking performance.
  3. The results of the statistical analysis of the answers to the research sample have been confirmed on the existence of a correlation as a direct correlation and significant morale among the electronic payment systems, with banking performance efficiency, The results of the statistical analysis of for the answers to the research sample confirmed the presence of significant effect relationship for the electronic payment systems, on at the efficiency of the banking performance, as the beta coefficient signals are positive which means there is a positive effect.

     The researchers has recommended a number of recommendations including:

  1. The need for the Central Bank of Iraq worthwhile electronic payment systems through the modernization of these systems and development, and work on the activation of non-active systems, as these systems become of the most important channels for the transfer of money, and financial instruments between financial and banking institutions.
  2. Banks need to rely on payment systems in the transfer of operations, clearing and settlement, because the services provided to customers is characterized by these systems, precision and speed, these systems also contribute to customer satisfaction, and increase awareness of the financial and banking.

View Publication Preview PDF
Quick Preview PDF
Publication Date
Wed Dec 25 2019
Journal Name
Journal Of Engineering
Link Failure Recovery for a Large-Scale Video Surveillance System using a Software-Defined Network
...Show More Authors

The software-defined network (SDN) is a new technology that separates the control plane from data plane for the network devices. One of the most significant issues in the video surveillance system is the link failure. When the path failure occurs, the monitoring center cannot receive the video from the cameras. In this paper, two methods are proposed to solve this problem.  The first method uses the Dijkstra algorithm to re-find the path at the source node switch. The second method uses the Dijkstra algorithm to re-find the path at the ingress node switch (or failed link).

... Show More
View Publication Preview PDF
Crossref (1)
Crossref
Publication Date
Sun Mar 12 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
The Effect of a Local Bacterial Isolates of Pseudomonas spp in Growth and Elements Nutrition Uptake of (Vinga sinesis) & (Rhaphanus stativus)
...Show More Authors

  An experiment was conducted  to study the effect of four isolates of Pseudomonas   spp. on the growth of two plants  Radish & Cowpea  and on the concentrations of macro elements & microelements  . This experiment included two parts , the 1st. part included isolation and characterization of 4  isolates of Pseudomonas bacteria from local  Iraqi soils  Baghdad  . The 2nd part included planting two plants  Radish & Cowpea  in plastic pots size 5Kg -soil in the green house Biology Dept. College of Science , after planting  we added the isolates to the pots , and after 50 days, the growth parameters  length , fresh and dry  weight , percentage  of ger

... Show More
View Publication Preview PDF
Publication Date
Thu Jun 27 2019
Journal Name
Journal Of The College Of Education For Women
The Background of the siffing Arbitration Agreement
...Show More Authors

It is important to set the background of stiffen arbitration agreement, to understand the real reasons of the fighting. When the Syrians began to lose, raised the masahif and made their announcement, most the qurrar, and so no need to continued fighting.

            In their view all that remained was the matter of drawing up formal peace with Ali, Muamiya; Ali would recognize as Amir al-muminin by both Syrian and Iraqis.

            The most of the Iraqisfavored settlement for different persons, for example-A'shath, the most power full of the clan leaders of Rabia, his interest by insuring that neither Ali nor Mu

... Show More
View Publication Preview PDF
Publication Date
Tue Jul 12 2016
Journal Name
World Journal Of Experimental Biosciences
Effect of honey and sodium bicarbonate on formation inhibition and removal of Staphylococcus aureus and Klebsiella pneumoniae biofilm in vitro
...Show More Authors

Publication Date
Wed Jul 17 2019
Journal Name
Iraqi Journal Of Science
The Effect of Sodium Chloride on Ion Association of Lysine and Arginine Ionizable Side Chains Amino Acids with Dehydro-L-ascorbic Acid in Aqueous Solution at Different Temperatures
...Show More Authors

Molar conductance (Λ) of ionizable side chains amino acids, lysine (Lys) and arginine (Arg) with dehydroascorbic acid (DHA) in water and in NaCl solutions was measured at temperatures range 298 K to 313 K. The limited molar conductance (Λo) and the constant of the ions association (KA) are calculated using the Shedlovsky techniques. The dynamic radius of the concerned ion (R) is calculated by used Stokes–Einstein relation. The heat of association, the Gibbs free energy, the change of entropy and activation energy (ΔHo/ kJ mol-1, ΔGo/ kJ mol-1, ΔSo/J K-1 mol-1, and ΔES/ kJ mol-1) respectively), also calculated. The data show increases the molar conductance with increas

... Show More
View Publication Preview PDF
Scopus (2)
Scopus Crossref
Publication Date
Thu Feb 01 2024
Journal Name
Baghdad Science Journal
The Role of Chlorella vulgaris in Reducing Some Pharmaceutical Wastes Toxicity in Clam Pseudodontopsis euphraticus
...Show More Authors

Applications of microalgae in environmental studies have recently increased. Current uses of immobilized microalga Chlorella vulgaris include reducing pharmaceutical substances such as amoxicillin AMX and potassium dichromate K2Cr2O7 on freshwater clam Pseudodontopsis euphraticus as a biotic model. Recent research pointed out a change in biomarkers of oxidative stress in an evaluation of induced toxicity. Where clams were exposed to different concentrations100, 200, and 400 mg/L for 7 days and 20, 30, and 50 mg/L for 5 days of amoxicillin and potassium dichromate, respectively. The results showed that exposure to AMX and K2Cr2O7 led to a signific

... Show More
View Publication Preview PDF
Scopus (1)
Scopus Crossref
Publication Date
Wed Dec 18 2019
Journal Name
Baghdad Science Journal
The Continuous Classical Boundary Optimal Control of Couple Nonlinear Hyperbolic Boundary Value Problem with Equality and Inequality Constraints
...Show More Authors

The paper is concerned with the state and proof of the existence theorem of a unique solution (state vector) of couple nonlinear hyperbolic equations (CNLHEQS) via the Galerkin method (GM) with the Aubin theorem. When the continuous classical boundary control vector (CCBCV) is known, the theorem of existence a CCBOCV with equality and inequality state vector constraints (EIESVC) is stated and proved, the existence theorem of a unique solution of the adjoint couple equations (ADCEQS) associated with the state equations is studied. The Frcéhet derivative derivation of the "Hamiltonian" is obtained. Finally the necessary theorem (necessary conditions "NCs") and the sufficient theorem (sufficient conditions" SCs") for optimality of the stat

... Show More
View Publication Preview PDF
Scopus (9)
Crossref (2)
Scopus Clarivate Crossref
Publication Date
Tue Feb 26 2019
Journal Name
Journal Of Accounting And Financial Studies ( Jafs )
Role of the General Dudget in the Achievement of Sustainable Development: دراسة تحليلية مقارنة للموازنة العامة العراقية
...Show More Authors

The traditional method adopted in the preparation of the general budget in Iraq is not consistent with developments in the size specification response and spending and the associated weakness in the size of the amounts earmarked for investment projects which could adversely affect future generations and not to enable them to continue the development, which requires talking to estimate the adoption of style public expenditure in the state budget and reduce waste and extravagant where and invest public revenues of the state in investment projects and preservation of the environment and natural resources in order to ensure the benefit of future generations system, according to the system serves to achieve the overwhelming majority of member

... Show More
View Publication Preview PDF
Crossref
Publication Date
Tue Jun 15 2021
Journal Name
Al-academy
American Folk Art in Light of the Concept of the Social Imagination (Analytical Study): اسعد يوسف الصغير
...Show More Authors

The current research is summarized by studying and understanding the imagination and what resulted from it in postmodern arts, specifically Pop Art. The research was focused spatially (America) between the year 1950-1975 AD and it defined the research problem by asking about what factors and variables that established the social imagination in culture Al-Gharbia, which in turn crystallized the Western cultural product to appear in its form, which is historically called "pop art". Two studies were adopted in the second chapter. The first one was the cultural structure of the social imagination. The second topic was concerned with the stylistic diversity of pop art, and the third chapter included research and accreditation procedures. Ther

... Show More
View Publication Preview PDF
Crossref
Publication Date
Wed Dec 14 2022
Journal Name
Journal Of The College Of Languages (jcl)
A Pragma-Stylistic Study of Misdirection in Selected Detective Novels
...Show More Authors

The analysis of detective novels has taken different aspects. The linguistic analysis of them, for example, has tackled the linguistic systems of morphology, phonology, syntax, semantics, and pragmatics. In line with the linguistic analysis, this study explores the various pragmatic and stylistic devices realized through detective novels for the purpose of misdirecting and deceiving the reader. The problem is that when readers try to reach to the truth, they face difficulties. They might not reach to the right solution or infer wrong conclusions because writers use some techniques to hide the truth and mislead them. This study aims at examining these techniques and devices; namely, Grice's Maxims and ambiguity as pragmatic devices on the

... Show More
View Publication Preview PDF
Crossref