Due to technological developments in the Iraqi banking sector, which is the use of electronic payment systems within the banking infrastructure. This has led to speed and accuracy in the completion of transactions, reduced costs, increased revenues and efficiency. This research examines the challenges and risks facing the Iraqi banking sector as a result of its use of electronic payment systems. And show its impact on the profitability of commercial banks. The research was based on the main hypothesis that there is a statistically significant moral impact relationship between electronic payment systems and the profitability of banks. Iraqi commercial banks were chosen as a research community, All Iraqi commercial banks that participate in each of the immediate Real Time Gross settlement system (RTGS), the Automated clearing House system (ACH) and the retail payment system infrastructure (RPSI) have been listed. Based on data obtained from the Central Bank of Iraq and some banks, the research sample was identified, which includes AL-Rafidain Bank, National Bank of Iraq, Ashur International Bank and The International Development Bank. From the statistical analysis of the research variables, the results of the analysis and measurement showed a statistically significant moral effect relationship between electronic payment systems and the profitability of commercial banks sample research. The more commercial banks use electronic payment systems to complete their transactions, the profitability of these banks has increased. The research recommended the need to increase investment by banks on the infrastructure of electronic payment systems, as they should be reliable, cost-effective and accessible from the majority of the community, which positively affects profitability.
In this study, polyester composites reinforced with pistachio shells powder (P.) with an average
diameter (150 – 200 μm) with different weight ratios (0.5%, 1%, 1.5%, 2%, and 2.5%) were
prepared to the resin. The Shore D hardness, thermal conductivity (K), and the glass transition
temperature (Tg) of the samples were examined. The results showed that the Shore D hardness
increases with the increase of the reinforcement ratio and its maximum value is (87.55) at (2.5%
P.) While the value of hardness at (0%) is (86.5). The thermal conductivity increases slightly with
the increase in the percentage of reinforcement and its maximum value is (0.213253 W/ m. K) at
(2.5% P.), while the value of K at (0% P.)
The aim of this project was to study the in vitro effect of antineoplastic drugs (vincristine and vinblastine) on mice spermatozoa. Eighteen adult (age 8-9 weeks) male mice were divided into three groups equally. The animals in each group were slain by cervical dislocation, the testes were removed and two tails of epididymides isolated. Spermatozoa were obtained from the two tails of epididymides by mincing in 500 µl TCM-199.The first group non-treated (unadded) as a control group, second group added 10 µg/ml of vincristine to TCM-199 and the third group added 10 µg/ml of vinblastine to TCM-199. After 10 minutes from added of vincristine and vinblastin measured the following test: spermatozoa activity, percentage dead spermatozoa and mor
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The present study aimed to investigate the possible protective effect of cafestol against doxorubicin-induced chromosomal and DNA damage in rat bone marrow cells. Wistar
Albino rats of both sexes were administered cafestol (5mg/kg body weight once
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The main goal of this paper is to study applications of the fractional calculus techniques for a certain subclass of multivalent analytic functions on Hilbert Space. Also, we obtain the coefficient estimates, extreme points, convex combination and hadamard product.
In these notes, our goal is to give some results on criterion for complex analytic map-germs by their tangent spaces with respect to -equivalence where is the module of complex analytic vector fields on .In addition, we give some results about -trivial analytic family, the direct product and direct sum of map-germs.
In this article it is proved experimentally that the photon is a particle that has mass and constant wavelength by explaining the effect of refractive index on the wavelength and the natural mass of photon. It is very difficult to measure the mass of photon, a simple and easy process was proposed in this paper to calculate the mass length of photon in vacuum (Y) and in medium (Y*), by measuring the length of laser beam in air (Lair) and in medium (Lmed). A new method was postulated to calculate refractive index by using these relations (n = Y*/Y), and (n = Lmed / Lair) which supposed a new theory of light.
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