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
Fri Jan 11 2019
Journal Name
Iraqi Journal Of Physics
Proton momentum distributions and elastic electron scattering form factors for some Ge isotopes
...Show More Authors

The proton momentum distributions (PMD) and the elastic
electron scattering form factors F(q) of the ground state for some
even mass nuclei in the 2p-1f shell for 70Ge, 72Ge, 74Ge and 76Ge are
calculated by using the Coherent Density Fluctuation Model (CDFM)
and expressed in terms of the fluctuation function (weight function)
|F(x)|2. The fluctuation function has been related to the charge
density distribution (CDD) of the nuclei and determined from the
theory and experiment. The property of the long-tail behavior at high
momentum region of the proton momentum distribution has been
obtained by both the theoretical and experimental fluctuation
functions. The calculated form factors F (q) of all nuclei under s

... Show More
View Publication Preview PDF
Crossref
Publication Date
Sat Feb 26 2022
Journal Name
Iraqi Journal Of Science
Differential Subordination and Superordination for Multivalent Functions Associated with Generalized Fox-Wright Functions
...Show More Authors

    In this paper, we derive some subordination and superordination results for certain subclasses of p− valent analytic functions that defined by generalized Fox-wright functions using the principle of differential subordination, ----------producing best dominant univalent solutions. We have also derived inclusion relations and solved majorization problem.

View Publication Preview PDF
Scopus (5)
Crossref (2)
Scopus Crossref
Publication Date
Mon Oct 30 2023
Journal Name
Iraqi Journal Of Science
Transfer Learning Based Traffic Light Detection and Recognition Using CNN Inception-V3 Model
...Show More Authors

Due to the lack of vehicle-to-infrastructure (V2I) communication in the existing transportation systems, traffic light detection and recognition is essential for advanced driver assistant systems (ADAS) and road infrastructure surveys. Additionally, autonomous vehicles have the potential to change urban transportation by making it safe, economical, sustainable, congestion-free, and transportable in other ways. Because of their limitations, traditional traffic light detection and recognition algorithms are not able to recognize traffic lights as effectively as deep learning-based techniques, which take a lot of time and effort to develop. The main aim of this research is to propose a traffic light detection and recognition model based on

... Show More
View Publication Preview PDF
Scopus (3)
Crossref (2)
Scopus Crossref
Publication Date
Mon Dec 25 2017
Journal Name
Iraqi Journal Of Pharmaceutical Sciences ( P-issn 1683 - 3597 E-issn 2521 - 3512)
Knowledge, Attitudes and Barriers Towards Breast Cancer Health Education Among Iraqi Community Pharmacists
...Show More Authors

With the increasing prevalence of breast cancer among female internationally, occupies about 25% of all cases of cancer, with a measured 1.57 million up to date cases in 2012. Breast cancer has turn a most warning to health of female in Iraq, where it is the major cause of death among women after cardiovascular diseases, with a mortality rate of 23% related cancer. Recently there is a crucial requirement to include community pharmacists in health elevation activities to support awareness and early diagnosis of cancer, specially breast cancer. The aim of this study is to assess knowledge, attitude and perceived barriers amongst Iraqi community pharmacists towards health promotion of breast cancer. This study is cross sectional research. A

... Show More
View Publication Preview PDF
Crossref (1)
Crossref
Publication Date
Sat Nov 28 2020
Journal Name
Iraqi Journal Of Science
Strongly Hollow R - Annihilator Lifting Modules and Strongly R - Annihilator (Hollow- Lifting) Modules
...Show More Authors

Let R be a commutative ring with unity. Let W be an R-module, for K≤F, where F is a submodule of W and K is said to be R-annihilator coessential submodule of F in W (briefly R-a-coessential) if  (denoted by K  F in W). An R-module W is called strongly hollow -R-annihilator -lifting module (briefly, strongly hollow-R-a-lifting), if for every submodule F of W with  hollow, there exists a fully invariant direct summand K of W such that K  F in W. An R - module W is called strongly R - annihilator - ( hollow - lifting ) module ( briefly strongly R - a - ( hollow - lifting ) module ), if for every submodule F of W with   R - a - hollow, there exists a fully invariant direct summand K o

... Show More
View Publication Preview PDF
Scopus Crossref
Publication Date
Sun May 26 2019
Journal Name
Iraqi Journal Of Science
Exact and Local Search Methods for Solving Travelling Salesman Problem with Practical Application
...Show More Authors

This paper investigates some exact and local search methods to solve the traveling salesman problem. The Branch and Bound technique (BABT) is proposed, as an exact method, with two models. In addition, the classical Genetic Algorithm (GA) and Simulated Annealing (SA) are discussed and applied as local search methods. To improve the performance of GA we propose two kinds of improvements for GA; the first is called improved GA (IGA) and the second is Hybrid GA (HGA).

The IGA gives best results than GA and SA, while the HGA is the best local search method for all within a reasonable time for 5 ≤ n ≤ 2000, where n is the number of visited cities. An effective method of reducing the size of the TSP matrix was proposed with

... Show More
View Publication Preview PDF
Scopus (3)
Crossref (1)
Scopus Crossref
Publication Date
Sun Jun 20 2021
Journal Name
Baghdad Science Journal
Wireless Propagation Multipaths using Spectral Clustering and Three-Constraint Affinity Matrix Spectral Clustering
...Show More Authors

This study focused on spectral clustering (SC) and three-constraint affinity matrix spectral clustering (3CAM-SC) to determine the number of clusters and the membership of the clusters of the COST 2100 channel model (C2CM) multipath dataset simultaneously. Various multipath clustering approaches solve only the number of clusters without taking into consideration the membership of clusters. The problem of giving only the number of clusters is that there is no assurance that the membership of the multipath clusters is accurate even though the number of clusters is correct. SC and 3CAM-SC aimed to solve this problem by determining the membership of the clusters. The cluster and the cluster count were then computed through the cluster-wise J

... Show More
View Publication Preview PDF
Scopus (4)
Crossref (1)
Scopus Clarivate Crossref
Publication Date
Tue Aug 01 2023
Journal Name
International Journal Of Online And Biomedical Engineering (ijoe)
End-to-End Speaker Profiling Using 1D CNN Architectures and Filter Bank Initialization
...Show More Authors

The automatic estimation of speaker characteristics, such as height, age, and gender, has various applications in forensics, surveillance, customer service, and many human-robot interaction applications. These applications are often required to produce a response promptly. This work proposes a novel approach to speaker profiling by combining filter bank initializations, such as continuous wavelets and gammatone filter banks, with one-dimensional (1D) convolutional neural networks (CNN) and residual blocks. The proposed end-to-end model goes from the raw waveform to an estimated height, age, and gender of the speaker by learning speaker representation directly from the audio signal without relying on handcrafted and pre-computed acou

... Show More
View Publication
Scopus (1)
Scopus Clarivate Crossref
Publication Date
Tue Oct 01 2013
Journal Name
Journal Of Economics And Administrative Sciences
Comparison Some Parametric and Non –parametric Methods To Estimate Median Effective Dose ( ED5
...Show More Authors

            In this paper the research represents an attempt of expansion in using the parametric and non-parametric estimators to estimate the median effective dose ( ED50 ) in the quintal bioassay and comparing between  these methods . We have Chosen three estimators for Comparison. The first estimator is
( Spearman-Karber )  and the second estimator is ( Moving Average ) and The Third estimator  is ( Extreme Effective Dose ) .
We used a minimize Chi-square as a parametric method. We made a Comparison for these estimators by calculating the mean square error of (ED50) for each one of them and comparing it with the optimal the mean square

... Show More
View Publication Preview PDF
Crossref
Publication Date
Thu Jun 10 2021
Journal Name
Neuroquantology
Direct Yellow 8 Azo Removal by Bentonite Clay Solution: Experimental and Theoretical Studies
...Show More Authors

In the theoretical part, removal of direct yellow 8 (DY8) from water solution was accomplished using Bentonite Clay as an adsorbent. Under batch adsorption, the adsorption was observed as a function of contact time, adsorbent dosage, pH, and temperature. The equilibrium data were fitted with the Langmuir and Freundlich adsorption models, and the linear regression coefficient R2 was used to determine the best fitting isotherm model. thermodynamic parameters of the ongoing adsorption mechanism, such as Gibb's free energy, enthalpy, and entropy, have also been measured. The batch method was also used for the kinetic calculations, and the day's adsorption assumes first-order rate kinetics. The kinetic studies also show that the intrapar

... Show More
View Publication
Scopus Crossref