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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
Sun Jan 01 2017
Journal Name
Journal Of Engineering
EFFECT OF PVD AND VACUUM PRESSURE ON SATURATED-UNSATURATED SOFT SOILS
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    Soft clays are generally sediments deposited by rivers, seas, or lakes. These soils are fine-grained plastic soils with appreciable clay content and are characterized by high compressibility and low shear strength. To deal with soft soil problems there is more than one method that can be used such as soil replacement, preloading, stone column, sand drains, lime stabilization and Prefabricated Vertical Drains, PVDs. A numerical modeling of PVD with vacuum pressure was analyzed to investigate the effect of this technique on the consolidation behavior of fully and different depths of partially saturated soft soils.  Laboratory experiments were also conducted by using a specially-designed large consol

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Publication Date
Fri Sep 30 2022
Journal Name
Iraqi Journal Of Science
Cytogenetic and Cytotoxic Potentials of Borago officinalis on Albino Male Mice
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       The current study is an attempt to assess the cytogenotoxic potential of the ethanolic extract from the leaves of Borago officinalis on Swiss albino male mice. Young Swiss albino mice were orally administered with leaf ethanolic extract of Borago officinalis. Three mice groups were used using different doses of plant extract (T1: 100, T2: 200, and T3:400 mg\kg) in addition to the control negative group (untreated mice) for 7 days to assess mitotic index or 28 days to assess meiotic index.  The results revealed that the extract significantly induced the division of disruptive chromosomal changes in the bone marrow and the mean of abnormality was (3.5±0.47, 4.43±0.83, and 5.83±0.96%) for T1, T2, and T3 re

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Publication Date
Wed Jan 01 2020
Journal Name
Journal Of Information Hiding And Multimedia Signal Processing
Enhancement of lsb audio steganography based on carrier and message characteristics
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Data steganography is a technique used to hide data, secret message, within another data, cover carrier. It is considered as a part of information security. Audio steganography is a type of data steganography, where the secret message is hidden in audio carrier. This paper proposes an efficient audio steganography method that uses LSB technique. The proposed method enhances steganography performance by exploiting all carrier samples and balancing between hiding capacity and distortion ratio. It suggests an adaptive number of hiding bits for each audio sample depending on the secret message size, the cover carrier size, and the signal to noise ratio (SNR). Comparison results show that the proposed method outperforms state of the art methods

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Scopus
Publication Date
Thu Jul 01 2021
Journal Name
Iraqi Journal Of Science
Improvement of Chacha20 Algorithm based on Tent and Chebyshev Chaotic Maps
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Chacha 20 is a stream cypher that is used as lightweight on many CPUs that ‎do not have dedicated AES instructions. As stated by Google, that is the reason why they use it on many ‎devices, such as mobile devices, for authentication in TLS protocol. This paper ‎proposes an improvement of chaha20 stream cypher algorithm based on tent and ‎Chebyshev functions (IChacha20). The main objectives of the proposed IChacha20 ‎algorithm are increasing security layer, designing a robust structure of the IChacha20 ‎to be enabled to resist various types of attacks, implementing the proposed ‎algorithm for encryption of colour images, and transiting it in a secure manner. The ‎ test results proved that the MSE, PSNR, UQI and NCC metrics

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Crossref (1)
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Publication Date
Tue Sep 26 2023
Journal Name
Brazilian Journal Of Biometrics
Bifurcation analysis of commensalism intraction and harvisting on food chain model
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In this paper, we study the incorporation of the commensalism interaction and harvesting on the Lotka–Volterra food chain model. The system provides one commensal prey, one harvested prey, and two predators. A set of preliminary results in local bifurcation analysis around each equilibrium point for the proposed model is discussed, such as saddle-node, transcritical and pitchfork. Some numerical analysis to confirm the accruing of local bifurcation is illustrated. To back up the conclusions of the mathematical study, a numerical simulation of the model is carried out with the help of the MATLAB program. It can be concluded that the system's coexistence can be achieved as long as the harvesting rate on the second prey population is

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Scopus (8)
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Publication Date
Sun Mar 01 2020
Journal Name
Iraqi Journal Of Physics
Effect of Laser Energy and Repetition Rate on Holmium Plasma Emission
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The holmium plasma induced by a 1064-nmQ-switched Nd:YAG laser in air was investigated. This work was done theoretically and experimentally.  Cowan code was used to get the emission spectra for different transition of the holmium target. In the experimental work, the evolution of the plasma was studied by acquiring spectral images at different laser pulse energies (600,650,700, 750, and 800 mJ). The repetition rates of (1Hz and 10Hz) in the UV region (200-400 nm). The results indicate that, the emission line intensities increase with increasing of the laser pulse energy and repetition rate. The strongest emission spectra appeared when the laser pulse energy is 800mJ and 10 Hz repetition rate at λ= 345.64nm, with the maximum intensi

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Publication Date
Sun Feb 24 2019
Journal Name
Iraqi Journal Of Physics
Morphology, chemical and electrical properties of CdO Nanoparticles on porous silicon
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In this paper, CdO nanoparticles prepared by pulsed laser deposition techniqueonto a porous silicon (PS) surface prepared by electrochemical etching of p-type silicon wafer with resistivity (1.5-4Ω.cm) in hydrofluoric (HF) acid of 20% concentration. Current density (15 mA/cm2) and etching times (20min). The films were characterized by the measurement of AFM, FTIR spectroscopy and electrical properties.

  Atomic Force microscopy confirms the nanometric size.Chemical components during the electrochemical etching show on surface of PSchanges take place in the spectrum of CdO deposited PS when compared to as-anodized PS.

The electrical properties of prepared PS; namely current density-voltage charact

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Publication Date
Thu Nov 29 2018
Journal Name
Iraqi Journal Of Science
On Soft LC-Spaces and Weak Forms of Soft LC-Spaces
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The main purpose of this article is to study the soft LC-spaces as soft spaces in which every soft Lindelöf subset of  is soft closed. Also, we study the weak  forms of soft LC-spaces and we discussed their relationships with soft LC-spaces as well as among themselves.

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Publication Date
Sun Dec 01 2013
Journal Name
Baghdad Science Journal
Effect of Pregnancy on Selenium, Cupper ,Zinc and Others Biochemical Feacture
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Pregnancy is a stressful condition in which many physiological and metabolic functions are altered to a considerable extent . Pregnancy is a physiological state accompanied by a high-energy demand and an increased oxygen requirement. The present study aim to study selenium ,zinc cupper in the first trimester of pregnancy. The study group comprised of Fourty five pregnant women and twenty six non pregnant women as control . The samples were taken from pregnant women who come to several heath center in Baghdad city to cheak up. Laboratory investigations including Cupper, Ceruloplasmin, Total Antioxidant (TAA), malondialdehyde (MDA), glutathione (GSH), Zinc, Uric acid, and Selenium had been measured in pregnant women and control . Th

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Publication Date
Sun Mar 01 2020
Journal Name
Al-ustath Journal For Human And Social Sciences
HE SIGNIFICANCE OF FREUD’S THEORY THE UNCANNY IN NELLA LARSON’S PASSING: A PSYCHOANALYTIC STUDY
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ABSTRACT This study closely investigates the elements of Sigmund Freud’s theory “The Uncanny” in one of Larson’s most famous novels. Although the novel touches upon racial issues, the study explores the mysterious relationship between Irene and Clare based on the main features of Freud’s “The Uncanny,” which are represented by hidden sexual desire, envy, supernatural power, and double characters. The aspect of the sexual desire is indicated in the novel by sexual undertones expressed by Irene towards Clare’s physical features. Envy in the novel is expressed by Irene who shows resentful longing aroused by Clare’s possessions and qualities due to her passing to the white community. The aspect of omnipotence of thoughts is in

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