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.
With growing global demand for hydrocarbons and decreasing conventional reserves, the gas industry is shifting its focus in the direction of unconventional reservoirs. Tight gas reservoirs have typically been deemed uneconomical due to their low permeability which is understood to be below 0.1mD, requiring advanced drilling techniques and stimulation to enhance hydrocarbons. However, the first step in determining the economic viability of the reservoir is to see how much gas is initially in place. Numerical simulation has been regarded across the industry as the most accurate form of gas estimation, however, is extremely costly and time consuming. The aim of this study is to provide a framework for a simple analytical method to esti
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Effect of antioxidants (vitamins C and E) (500mg/kg) was studied on function of testes in albino mice treated with hexavalent chromium (1000ppm). The results showed that exposure to hexavalent chromium caused a significant decrease in body weights, without changes in weight of testes, seminal vesicles and prostate. A significant decrease was observed in the percentage of dead sperms, sperms abnormalities, diameter of seminiferous tubules and the number of leydig cells. Degenerative changes and necrosis were observed in the lumen of seminiferous tubules. Treatment of hexavalent chromium-exposed mice with vitamin C caused improvement in weights and characters of sperms and improvement of the tissue of seminiferous tubules. Tre
... Show MoreIn this work, The effect of annealing treatment at different temperatures (373, 423 and 473) K and chemical treatment with talwen at different immersion time (40, 60 and 80) min on structural and optical properties of the bulk heterojunction (BHJ) blend copper phthalocyanine tetrasulfonic acid tetrasodium salt/poly dioxyethylenethienylene doped with polystyrenesulphonic acid (CuPcTs/PEDOT:PSS) thin films were investigated. The films were fabricated using spin coating technique. X-ray diffraction (XRD) measurements displayed only one peak at 2θ =4.5o corresponding to (001) direction which has dhkl larger than for standard CuPcTs. The dhkl increase then decrease with increasing annealing temperature and
the time of chemical treatment w
A reinforced concrete frame is referred as "RIGID FRAMES". However, researches indicate that the Beam-Column joint (BCJ) is definitely not rigid. In addition, extensive research shows that failure may occur at the joint instead of in the beam or the column. Joint failure is known to be a catastrophic type which is difficult to repair.
This study was carried out to investigate the effect of hoops and column axial load on the shear strength of high-strength fiber reinforced Beam-Column Joints by using a numerical model based on finite element method using computer program ANSYS (Version 11.0). The variables are: diameter of hoops and magnitude of column axial load.
The theoretical results obtained from ANSYS program are in a good a
Coating materials have an extraordinarily high use, for industrial or technical applications. This study compares the effect of short glass and polypropylene fibers on the hardness, water absorption and anti-bacterial activity of acrylic composites against Gram positive (Streptococcus sp.) and Gram negative bacteria (E.coli, Pseudomonas aeruginosa, Klebsiella sp.).To prepare acrylic polymer and acryliccomposites (glass fibers and polypropylene fiber) the weight fraction (20 %,) (v0= lama acrylic, v1= lama acrylic/ glass fiber, and v2= lama acrylic /poly propylene fiber), of chopped glass fibers and polypropylene were added to acrylic , the resultant solution was stirred by hand for 5 minutes, using the Hand-lay-up technique.
Results s
This research studies the effect of adding micro, nano and hybrid by ratio (1:1) of (Al2O3,TiO2) to epoxy resin on thermal conductivity before and after immersion in HCl acid for (14 day) with normality (0.3 N) at weight fraction (0.02, 0.04, 0.06, 0.08) and thickness (6mm). The results of thermal conductivity reveled that epoxy reinforced by (Al2O3) and mixture (TiO2+Al2O3) increases with increasing the weight fraction, but the thermal conductivity (k) a values for micro and Nano (TiO2) decrease with increasing the weight fraction of reinforced, while the immersion in acidic solution (HCl) that the (k) values after immersion more than the value in before immersion.
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The size and the concentration of the gold nanoparticles (GNPs)
synthesized in double distilled deionized water (DDDW) have been
found to be affected by the laser energy and the number of pulses.
The absorption spectra of the nanoparticles DDDW, and the
surface plasmon resonance (SPR) peaks were measured, and found to
be located between (509 and 524)nm using the UV- Vis
spectrophotometer. SPR calculations, images of transmission
electron microscope, and dynamic light scattering (DLS) method
were used to determine the size of GNPs, which found to be ranged
between (3.5 and 27) nm. The concentrations of GNPs in colloidal
solutions found to be ranged between (37 and 142) ppm, and
measured by atomic absorptio
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The experiment was carried out in the wooden canopy in the green garden of Biology Department , College of Education for Pure Science – Ibn AL –Haitham, Baghdad University, during the growing season of 2012- 2013 , to study the influence of foliar application of three concentrations of zinc (0,50,75)mg. L ¯¹ with four concentrations of boron (0, 25, 50, 75) mg. L¯¹ and their interactions on some growth parameters of vegetative part of chickpea plant. The experiment was designed according to Randomized Completely Block Design(RCBD)with three replications, results indicated that:- 1- Foliar application of zinc and boron caused a significant increase in the averaye of dry weight for t
... Show MoreRifampicin (RF) considered a hepatotoxic drug. Is one of the first line successful drugs of management of tuberculosis. To reduce injury and protect liver from adverse effect of Rifampicin, this study was designed to investigate the activity of Nigella Sativa (NS) seeds powder aqueous suspension to hepato protection against Rifampicin.
For conducting this study,24 male albino rats were divided into four groups and all treated orally as follow; group І (control), received normal saline alone; group II, received RF (50mg/kg body weight/day); group III received NS it's called normal dose, (2g/kg body weight day); group IV RF (50mg/kg body weight) + NS (2g/kg body weight).Respectively for 28 days. Blood samples obtained for estimation of
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