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
Sun Jan 01 2023
Journal Name
Aip Conference Proceedings
Ni2O3 nanomaterial: Synthesis and characterization by simple chemical process
...Show More Authors

View Publication
Scopus (1)
Crossref (1)
Scopus Crossref
Publication Date
Sat Dec 02 2017
Journal Name
Al-khwarizmi Engineering Journal
Speech Signal Compression Using Wavelet And Linear Predictive Coding
...Show More Authors

A new algorithm is proposed to compress speech signals using wavelet transform and linear predictive coding. Signal compression based on the concept of selecting a small number of approximation coefficients after they are compressed by the wavelet decomposition (Haar and db4) at a suitable chosen level and ignored details coefficients, and then approximation coefficients are windowed by a rectangular window and fed to the linear predictor. Levinson Durbin algorithm is used to compute LP coefficients, reflection coefficients and predictor error. The compress files contain LP coefficients and previous sample. These files are very small in size compared to the size of the original signals. Compression ratio is calculated from the size of th

... Show More
View Publication Preview PDF
Publication Date
Wed Jan 20 2021
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Nearly Primary-2-Absorbing Submodules and other Related Concepts
...Show More Authors

Our aim in this paper is to introduce the notation of nearly primary-2-absorbing submodule as generalization of 2-absorbing submodule where a proper submodule  of an -module  is called nearly primary-2-absorbing submodule if whenever , for , , ,  implies that either  or  or . We got many basic, properties, examples and characterizations of this concept. Furthermore, characterizations of nearly primary-2-absorbing submodules in some classes of modules were inserted. Moreover, the behavior of nearly primary-2-absorbing submodule under -epimorphism was studied.

View Publication Preview PDF
Crossref
Publication Date
Sun Jun 02 2013
Journal Name
Baghdad Science Journal
Synthesis and Characterizationof Some New Phenolic Schiff Bases Derivatives
...Show More Authors

Starting from bis (4,4'-diamino phenoxy) ethan(1), a variety of phenolicschiff bases (methylolic, etheric, epoxy) derivatives have been synthesized. All proposed structure were supported by FTIR, 1H-NMR, 13C-NMR Elemental analysis, some derivatives evaluated by thermal analysis (TGA).

View Publication Preview PDF
Crossref
Publication Date
Mon May 15 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Essentially Quasi-Invertible Submodules and Essentially Quasi-Dedekind Modules
...Show More Authors

        Let R be a commutative ring with  identity . In this paper  we study  the concepts of  essentially quasi-invertible submodules and essentially  quasi-Dedekind modules  as  a generalization of  quasi-invertible submodules and quasi-Dedekind  modules  . Among the results that we obtain is the following : M  is an essentially  quasi-Dedekind  module if and only if M is aK-nonsingular module,where a module M is K-nonsingular if, for each  , Kerf ≤e M   implies   f = 0 .

View Publication Preview PDF
Publication Date
Mon Jun 17 2019
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Hard and Tough Epoxy Resins Modified with Thermosetting Materials
...Show More Authors

Epoxy resins were modified by some thermosetting materials using unsaturated polyesters which were cured with styrene , MMA ,and MA . When unsaturated Polyester ( as thermosetting material ) was used , and cured with styrene showed better results than acrylic monomers . Thermal stability rised on modification of epoxy resins with unsaturated polyester . The new formulation had converted the epoxy resin from hard brittle material to hard and tough material .

Thermal analysis were studied using ( DSC ) and physicomechanical characteristics were measured .

View Publication Preview PDF
Publication Date
Tue Jan 18 2022
Journal Name
Iraqi Journal Of Science
Fast Text Analysis Using Symbol Enumeration and Hashing Methodology
...Show More Authors

This paper is focusing on reducing the time for text processing operations by taking the advantage of enumerating each string using the multi hashing methodology. Text analysis is an important subject for any system that deals with strings (sequences of characters from an alphabet) and text processing (e.g., word-processor, text editor and other text manipulation systems). Many problems have been arisen when dealing with string operations which consist of an unfixed number of characters (e.g., the execution time); this due to the overhead embedded-operations (like, symbols matching and conversion operations). The execution time largely depends on the string characteristics; especially its length (i.e., the number of characters consisting

... Show More
View Publication Preview PDF
Publication Date
Mon May 20 2019
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Pseudo Quasi-2-Absorbing Submodules and Some Related Concepts
...Show More Authors

Let R be a ring and let A be a unitary left R-module. A proper submodule H of an R-module A is called 2-absorbing , if rsa∈H, where r,s∈R,a∈A, implies that either ra∈H or sa∈H or rs∈[H:A], and a proper submodule H of an R-module A is called quasi-prime , if rsa∈H, where r,s∈R,a∈A, implies that either ra∈H or sa∈H. This led us to introduce the concept pseudo quasi-2-absorbing submodule, as a generalization of both concepts above, where a proper submodule H of an R-module A is called a pseudo quasi-2-absorbing submodule of A, if whenever rsta∈H,where r,s,t∈R,a∈A, implies that either rsa∈H+soc(A) or sta∈H+soc(A) or rta∈H+soc(A), where soc(A) is socal of an

... Show More
View Publication Preview PDF
Crossref (1)
Crossref
Publication Date
Thu May 04 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Minimizing total Completion Time and Maximum late Work Simultaneously
...Show More Authors

In this paper, the problem of scheduling jobs on one machine for a variety multicriteria
are considered to minimize total completion time and maximum late work. A set of n
independent jobs has to be scheduled on a single machine that is continuously available from
time zero onwards and that can handle no more than one job at a time. Job i,(i=1,…,n)
requires processing during a given positive uninterrupted time pi, and its due date d
i.
For the bicriteria problems, some algorithms are proposed to find efficient (Pareto)
solutions for simultaneous case. Also for the multicriteria problem we proposed general
algorithms which gives efficient solutions within the efficient range

View Publication Preview PDF
Publication Date
Sat Jul 31 2021
Journal Name
Iraqi Journal Of Science
Semi-T-Hollow Modules and Semi-T-Lifting Modules
...Show More Authors

Let be an associative ring with identity and let be a unitary left -module. Let  be a non-zero submodule of .We say that  is a semi- - hollow module if for every submodule  of  such that  is a semi- - small submodule ( ). In addition, we say that  is a semi- - lifting module if for every submodule  of , there exists a direct summand  of  and  such that  

The main purpose of this work was to develop the properties of these classes of module.

 

View Publication Preview PDF
Scopus Crossref