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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
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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.

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Publication Date
Sat Oct 30 2021
Journal Name
Iraqi Journal Of Science
Morphological and Morphometrical Study of the Stink Bug Mustha spinulosa (Lefebrve, 1831) (Hemiptera: Pentatomidae) from Erbil – Iraq
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     All life stages of the pentatomid stink bug Mustha spinulosa (Lefebrve, 1831) (Hemiptera: Pentatomidae) collected from several types of trees in Erbil Governorate, North Iraq, along with their morphometrical description, were illustrated. Eggs are barrel in shape, green in color when freshly laid, and usually deposited in clusters that contain 14 eggs each (sometimes 12). Nymphs complete their stage through 5 instars. Head, pronotum, and connexivum of the adults and instars are with pale pink and gray spines; female is slightly larger than male; female is 27.30 mm long and 12.80 mm wide, while male is 25.80 mm long and 11.98 mm wide. Labium proboscis is1.25 ± 0.01 cm long, with brown blackish color. A p

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Publication Date
Thu Jul 01 2021
Journal Name
Iraqi Journal Of Science
Campanian Calciturbidites from Northeast Iraq, Kurdistan Region: Insight into Paleogeography and Source Areas of the Shiranish Formation
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Calciturbidites are similar to siliciclastic turbidites in structure, texture, basin physiography and processes of deposition; nevertheless, their clasts (grains) are carbonate minerals. Turbidity currents transport carbonate grains from carbonate source areas and coastal areas to the deep basins after passing the shelf (peri-platform). These currents are triggered by short-lived catastrophic events, such as tsunamis, earthquakes, marine slides, and typhoons. The Late Cretaceous Zagros Foreland and Hinterland in NE-Iraq (Kurdistan Region) was an active source for the shedding of voluminous sediments to the deep basin of Zagros Foreland Basin. During late Campanian, Shiranish Formation was deposited in the foreland basin; it occurs in the

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Publication Date
Fri Apr 30 2021
Journal Name
Iraqi Journal Of Science
The Suitability of Tigris River Sediments from Tikrit, Northern Iraq, for Concrete Production and Road Construction Purposes
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This study aims to assess the suitability of the sediments present in Tigris River, Tikrit city, northern Iraq for concrete production and road building purposes. Representative samples were collected from three selected stations at the study area using the channel modeling method. According to the grain size analysis, the sediments were classified as a type of poorly graded gravels (GP) depending on the unified soil classification system. The true specific gravity of the soil ranged between 2.28 and 2.568. The chemical analysis of the study samples revealed that gypsum content ranged between 0.82 and 1.69 %. Total soluble salts ranged 2.45- 3.87%, the organic matter content ranged 0.14- 0.76%, and the pH value was between 7.73 and 7.38%

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Publication Date
Wed Jul 29 2020
Journal Name
Iraqi Journal Of Science
Seismotectonics and Seismic Source Parameters of the Mid-Eastern Iraq - Western Iran Using Moment Tensor Inversion Technique
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     The study area is encompassed by the 33.59-34.93°N latitudes and 45.44-46.39°E longitudes and divided into four groups with respect to earthquake event locations. We determined fault plane solutions, moment magnitudes, focal depths, and trend of slip with the direction of the moment stress axes (P, N, and T) for 102 earthquakes. These earthquakes had a local magnitude in the range between 4.0 and 6.4 for the time period from January 2018 to the end of August 2019, with focal depths ranged between 6 and 17 km. Waveform moment tensor inversion technique was used to analyze the database constructed from seismic stations on local and neighboring country networks (Iraq, Iran, and Turkey). We separated the studie

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Publication Date
Tue Jul 04 2023
Journal Name
Qalaai Zanist Scientific Journal
The Role of The Environmental Observer and The Environmental Police in Protecting the Environment in Iraqi Law
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Publication Date
Sun Jan 01 2023
Journal Name
Journal Of Interdisciplinary Mathematics
On maps of Γ -period 2 on prime Γ- near-rings
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We present the concept of maps Γ- periodi2 on Γ -near-ring S. Our main goal is to research and explore the presence and mapping traits such as h Γ –hom anti-Γ –hom, Γ –α-derivations of Γ -periodi2 on Γ- near-rings.

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Publication Date
Wed May 31 2017
Journal Name
Journal Of Engineering
Design and Implementation of Classical Sliding Mode Controller for Ball and Plate System
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Ball and Plate (B&P) system is a benchmark system in the control engineering field that has been used to verify many control methods. In this paper the design of a sliding mode . controller has been investigated and verified in real-time via implementation on a real ball and plate system hardware. The mathematical model has been derived and the necessary parameters have been measured. The sliding mode controller has been designed based on the obtained mathematical model. The resulting controller has been implemented using the Arduino Mega 2560 and a ball and plate system built completely from scratch. The Arduino has been programmed by the Arduino support target for Simulink. Three test signals has been used for verification purposes

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Publication Date
Wed Jun 18 2014
Journal Name
Geological Quarterly
Stable carbon and nitrogen isotopes and elemental composition and origin of organic matter from the Euphrates, Injana and Dibdibba formations in Iraq: discrimination between marine and terrestrial environments
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Publication Date
Thu Aug 01 2024
Journal Name
Al-kindy College Medical Journal
Through the Eyes of Healthcare Providers, the Necessity and Challenges of Implementing Medication Reconciliation at Hospital Discharge: A Qualitative Study
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Background: Medication reconciliation can include medication reviewing and providing counseling and a list of all the medications during every transition of care. Objectives: to explore in-depth the perspectives of Iraqi physicians and pharmacists regarding the necessity of medication reconciliation at hospital discharge and identify the possible benefits and challenges that could face its implementation. Subjects and Methods: A qualitative study included semi-structured interviews with pharmacists and physicians working at a public teaching hospital in Iraq. The interviews were conducted face-to-face from February to March 2023. Thematic analysis was used to analyze the qualitative data generated from the interviews. Results: In th

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Publication Date
Fri Feb 07 2025
Journal Name
Al–bahith Al–a'alami
New Methods and Old Issues: Theoretical and Methodological Approaches to Social Network Sites in the Arab Region
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This paper critically looks at the studies that investigated the Social Network Sites in the Arab region asking whether they made a practical addition to the field of information and communication sciences or not. The study tried to lift the ambiguity of the variety of names, as well as the most important theoretical and methodological approaches used by these studies highlighting its scientific limitations. The research discussed the most important concepts used by these studies such as Interactivity, Citizen Journalism, Public Sphere, and Social Capital and showed the problems of using them because each concept comes out of a specific view to these websites. The importation of these concepts from a cultural and social context to an Ara

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