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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
Thu Jun 15 2023
Journal Name
Romanian Neurosurgery
Similarities and differences between two coincidently gravitational bullet cases
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Many cases of gravitational bullets are reported in developed and non-developed countries. However, few papers highlighted these cases in the literature. In our study, we present two cases of gravitational bullets that have an unusual coincidence in the injury characteristics through their ages, and gender, the site of the inlet.

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Publication Date
Mon Dec 30 2024
Journal Name
Modern Sport
Mechanical angle foot during jumping and correct landing method
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This article investigates the relationship between foot angle and jump stability, focusing on minimizing injury risk. Here are the key points: Importance: Understanding foot angle is crucial for improving jump stability, athletic performance, and reducing jump-related injuries like ankle sprains. Ideal Foot Angle: Research suggests a forward foot angle of around 15 degrees might be ideal for many people during jumps. This angle distributes forces evenly across the foot, lowers the center of gravity, and provides more surface area for pushing off the ground. Factors Affecting Ideal Angle: The optimal angle can vary depending on the type of jump (vertical vs. long jump), fitness level, and personal preference. Incorrect Foot Angles: Landing w

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Publication Date
Mon Sep 30 2024
Journal Name
Tikrit Journal For Agricultural Sciences
Sunflower Productivity Response to tillage Depth and Harrowing Speed
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Publication Date
Wed Jun 27 2018
Journal Name
Iraqi Journal Of Science
Elastic electron scattering from 6He and 11Li halo nuclei
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The binary cluster model (BCM) and the two-frequency shell model (TFSM) have been used to study the ground state matter densities of neutron-rich 6He and 11Li halo nuclei. Calculations show that both models provide a good description on the matter density distribution of above nuclei. The root-mean square (rms) proton, neutron and matter radii of these halo nuclei obtained by TFSM have been successfully obtained. The elastic charge form factors for these halo nuclei are studied through combining the charge density distribution obtained by TFSM with the plane wave Born approximation (PWBA).

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Publication Date
Wed Jun 29 2022
Journal Name
Iraqi Journal Of Chemical And Petroleum Engineering
Determining Optimum Oil Separator Size and Optimum Operating Pressure
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The optimum separators operating pressure is determined by using flash calculations and equilibrium ratios. In this study, the optimum separator size for Jambur field is calculated by using equations introduced by Arnold and Stewart and API12J Specification [1]. Because Jambur field has a high production rate two conditions are taken in the study to determine separator size, first based on production rate 80,000 bbl/day and second based on split the production between two banks A and B (40,000 bbl/day for each bank). The calculation resulted in optimum separator pressure for the first stage of 700 psi, and the second stage of 300 psi, and the third stage of 120 psi. The results show that as the number of stages increased above three-stag

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Publication Date
Thu Feb 25 2016
Journal Name
Research Journal Of Applied Sciences, Engineering And Technology
Block Matching Algorithm Using Mean and Low Order Moments
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In this study, a fast block matching search algorithm based on blocks' descriptors and multilevel blocks filtering is introduced. The used descriptors are the mean and a set of centralized low order moments. Hierarchal filtering and MAE similarity measure were adopted to nominate the best similar blocks lay within the pool of neighbor blocks. As next step to blocks nomination the similarity of the mean and moments is used to classify the nominated blocks and put them in one of three sub-pools, each one represents certain nomination priority level (i.e., most, less & least level). The main reason of the introducing nomination and classification steps is a significant reduction in the number of matching instances of the pixels belong to the c

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Publication Date
Fri Jun 30 2023
Journal Name
Iraqi Journal Of Science
Using Retrieved Sources for Semantic and Lexical Plagiarism Detection
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     Plagiarism is described as using someone else's ideas or work without their permission. Using lexical and semantic text similarity notions, this paper presents a plagiarism detection system for examining suspicious texts against available sources on the Web. The user can upload suspicious files in pdf or docx formats. The system will search three popular search engines for the source text (Google, Bing, and Yahoo) and try to identify the top five results for each search engine on the first retrieved page. The corpus is made up of the downloaded files and scraped web page text of the search engines' results. The corpus text and suspicious documents will then be encoded as vectors. For lexical plagiarism detection, the system will

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Publication Date
Tue Jun 01 2010
Journal Name
Al-khwarizmi Engineering Journal
Vibration Characteristics Oblate Shell "With and Without Framed Structure"
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This paper presents the results of investigating the vibrational characteristics of oblate dish with and without framed structure . A finite element method, was applied to the dynamic analysis of oblate spheroidal shell. Different types of elements were considered in one dimension and two dimensions. It was found that the natural frequencies of oblate shells had two types of behavior against increasing the shell thickness and eccentricity, which are the membrane mode and bending mode –Since – the membrane modes natural frequencies tend to increase with the increasing the eccentricity of oblate, while the bending modes natural frequencies decrease with the increasing the eccentricity till reach the optimum eccentricity.

 

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Publication Date
Wed Feb 01 2023
Journal Name
Journal Of Engineering
Introduction and Investigation into Oil Well Logging Operations (Review)
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ole in all sta Oil well logging, also known as wireline logging, is a method of collecting data from the well environment to determine subterranean physical properties and reservoir parameters. Measurements are collected against depth along the well's length, and many types of wire cabling tools depend on the physical property of interest. Well probes generally has a dynamic respon to changes in rock layers and fluid composition. These probes or well logs are legal documents that record the history of a well during the drilling stages until its completion. Well probes record the physical properties of the well, which must then be interpreted in petrographic terms to obtain the characteristics of the rocks and fluids associated with

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Publication Date
Thu Jan 01 2015
Journal Name
Applied And Computational Mathematics
Texture Classification Using Spline, Wavelet Decomposition and Fractal Dimension
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