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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 Oct 03 2010
Journal Name
Journal Of Educational And Psychological Researches
Post Traumatic Stress Disorder (PTSD) among Iraqi Intellectual Immigrants after Occupation 2003.
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These factors, as well as disasters and wars that the Arab homeland exposed to and still under this exposure, in addition to the severe stress upon.

Iraqi Academics have been subjected to direct consequences of 2003 war. Exact figures are not known. It was mentioned. Many people were killed, sacked from their academics jobs, threatened to leave directly or indirectly their jobs, houses, and Iraq. Others have been imprisoned, tortured, or kidnapped / threatened to be kidnapped etc. Their families have been subjected to similar traumatic experiences or threats. All theses stressors may have lead to Post Traumatic (PTSD) Experiences. These Traumatic experiences have lead to Dislocation, relocation and Immigration etc. All sectors of

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Publication Date
Sun Oct 01 2017
Journal Name
International Journal Of Scientific & Engineering Research
Horizontal Fragmentation for Most Frequency Frequent Pattern Growth Algorithm
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Abstract: Data mining is become very important at the present time, especially with the increase in the area of information it's became huge, so it was necessary to use data mining to contain them and using them, one of the data mining techniques are association rules here using the Pattern Growth method kind enhancer for the apriori. The pattern growth method depends on fp-tree structure, this paper presents modify of fp-tree algorithm called HFMFFP-Growth by divided dataset and for each part take most frequent item in fp-tree so final nodes for conditional tree less than the original fp-tree. And less memory space and time.

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Publication Date
Sun Jun 02 2024
Journal Name
مجلة المستنصرية لعلوم الرياضة
تأثير تمرينات خاصة لتطوير التحمل الخاص والاداء المهاري الدفاعي الفردي للاعبي بأعمار (14-16) سنة بكرة السلة
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The game of basketball (orange ball) is considered one of the fast and exciting games in the world. It is played by both sexes and different ages. It has Olympic and international championships and has various performance skills, including defensive ones. This game requires physical abilities that players must have for duties during matches, including special endurance that is compatible with... The peculiarity of the game is the changing rhythm and positions on the field. The importance of the research lies in the importance of special exercises to develop special endurance and its role in influencing the defensive skill performance of the players throughout the duration of the match.The problem of the research appeared in the decline in i

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Publication Date
Mon Oct 30 2023
Journal Name
Iraqi Journal Of Science
Predicting Student Dropout with Minimal Information
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Student dropout is a problem for both students and universities. However, in the crises that Lebanon is going through, it is becoming a serious financial problem for Lebanese private universities. To try to minimize it, it must be predicted in order to implement the appropriate actions. In this paper, a method to build the appropriate prediction system is presented. First, it generates a data source of predictor variables from student dataset collected from a faculty of economic sciences in Beirut between 2010 and 2020. Then, it will build a prediction model using data classification techniques based on identified predictor variables and validate it. Using open-source software and free cloud environments, a prediction program w

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Publication Date
Fri Dec 29 2017
Journal Name
Al-khwarizmi Engineering Journal
Microcontroller – Based Spectrum Analyzer
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This work includes design, implementation and testing of a microcontroller – based spectrum analyzer system. Both hardware and software structures are built to verify the main functions that are required by such system. Their design utilizes the permissible and available tools to achieve the main functions of the system in such a way to be modularly permitting any adaptation for a specific changing in the application environment. The analysis technique, mainly, depends on the Fourier analysis based methods of spectral analysis with the necessary required preconditioning processes. The software required for waveform analysis has been prepared. The spectrum of the waveform has been displayed, and the instrument accuracy has been checked.

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Publication Date
Sun Jul 30 2023
Journal Name
Iraqi Journal Of Science
Some Transformation Properties with Omitted Value
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     The purpose of this  paper is to show that for a holomorphic and univalent function in class S, an omitted –value transformation  yields a class of starlike functions as a rotation transformation of  the Koebe function, allowing both the image and rotation of the function

   to be connected. Furthermore, these functions have several properties that are not far from a convexity properties. We also show that Pre- Schwarzian derivative is not invariant since the convexity property of the function   is so weak.

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Publication Date
Wed May 03 2017
Journal Name
Ibn Al-haitham Journal For Pure And Applied Sciences
Designing Feed Forward Neural Network for Solving Linear VolterraIntegro-Differential Equations
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The aim of this paper, is to design multilayer Feed Forward Neural Network(FFNN)to find the approximate solution of the second order linear Volterraintegro-differential equations with boundary conditions. The designer utilized to reduce the computation of solution, computationally attractive, and the applications are demonstrated through illustrative examples.

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Publication Date
Wed Feb 19 2020
Journal Name
International Journal Of Innovation, Creativity And Change
Secure Image Steganography Through Multilevel Security
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The concealment of data has emerged as an area of deep and wide interest in research that endeavours to conceal data in a covert and stealth manner, to avoid detection through the embedment of the secret data into cover images that appear inconspicuous. These cover images may be in the format of images or videos used for concealment of the messages, yet still retaining the quality visually. Over the past ten years, there have been numerous researches on varying steganographic methods related to images, that emphasised on payload and the quality of the image. Nevertheless, a compromise exists between the two indicators and to mediate a more favourable reconciliation for this duo is a daunting and problematic task. Additionally, the current

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Publication Date
Sun May 17 2015
Journal Name
Journal Of Physical Education
دراسة تحليلية مقارنة، لبعض المتغيرات الكينماتيكية، في أداء مهارة(Nick shot) الأمامية العكسية، بين لاعبي المنتخب العراقي والمصري، للشباب في الإسكواش
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هدفت الدراسة الى التعرف على مستوى استخدام إدارة المعرفة و تكنولوجيا المعلومات لدى القيادات الإدارية تُعدّ لعبة الإسكواش من الألعاب الفردية، وواحدة من ألعاب المضرب، والتي تمتاز بالسرعة والحركة الدائمة في داخل القاعة، ولعل أهم ما يميز هذه اللعبة المتعة التي يشعر بها اللاعبون الممارسون لها، لأنها تجبر ممارسيها على الحركة المستمرة عن طريق تبادل لعب الكرة، وتتميز بالتحدي المباشر، وتتطلب اليقظة والحرص وال

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Publication Date
Wed Feb 01 2023
Journal Name
Baghdad Science Journal
Efficient Approach for Solving (2+1) D- Differential Equations
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     In this article, a new efficient approach is presented to solve a type of partial differential equations, such (2+1)-dimensional differential equations non-linear, and nonhomogeneous. The procedure of the new approach is suggested to solve important types of differential equations and get accurate analytic solutions i.e., exact solutions. The effectiveness of the suggested approach based on its properties compared with other approaches has been used to solve this type of differential equations such as the Adomain decomposition method, homotopy perturbation method, homotopy analysis method, and variation iteration method. The advantage of the present method has been illustrated by some examples.

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