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The Impact of Electronic Payment systems on the Profitability of Banks: An applied research on a sample of Iraqi commercial banks
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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.

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Publication Date
Sun Jul 09 2023
Journal Name
Journal Of Engineering
Energy Savings in Thermal Insulations for Sustainable Buildings
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Energy use is second to staffing in building operating costs. Sustainable technology in the energy sector is based on utilizing renewable sources of energy such as solar, wind, glazing systems, insulation. Other areas of focus include heating, ventilation and air conditioning; novel materials and construction methods; improved sensors and monitoring systems; and advanced simulation tools that can help building designers make more energy efficient choices. The objective of this research is studying the effect of insulations on energy consumption of buildings in Iraq and identifying the amount of energy savings from application th

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Publication Date
Thu Nov 30 2023
Journal Name
Iraqi Journal Of Science
Multi-Objective Genetic Algorithm-Based Technique for Achieving Low-Power VLSI Circuit Partition
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     Minimizing the power consumption of electronic systems is one of the most critical concerns in the design of integrated circuits for very large-scale integration (VLSI). Despite the reality that VLSI design is known for its compact size, low power, low price, excellent dependability, and high functionality, the design stage remains difficult to improve in terms of time and power. Several optimization algorithms have been designed to tackle the present issues in VLSI design. This study discusses a bi-objective optimization technique for circuit partitioning based on a genetic algorithm. The motivation for the proposed research is derived from the basic concept that, if some portions of a circuit's system are deactivated during th

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Publication Date
Sat Dec 31 2011
Journal Name
Al-khwarizmi Engineering Journal
Path Planning Control for Mobile Robot
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Autonomous motion planning is important area of robotics research. This type of planning relieves human operator from tedious job of motion planning. This reduces the possibility of human error and increase efficiency of whole process.

This research presents a new algorithm to plan path for autonomous mobile robot based on image processing techniques by using wireless camera that provides the desired image for the unknown environment . The proposed algorithm is applied on this image to obtain a optimal path for the robot. It is based on the observation and analysis of the obstacles that lying in the straight path between the start and the goal point by detecting these obstacles, analyzing and studying their shapes, positions and

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Publication Date
Thu Jul 01 2021
Journal Name
Journal Of Engineering
Proposed Security Framework for Mobile Data Management System
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Portable devices such as smartphones, tablet PCs, and PDAs are a useful combination of hardware and software turned toward the mobile workers. While they present the ability to review documents, communicate via electronic mail,  appointments management, meetings, etc. They usually lack a variety of essential security features. To address the security concerns of sensitive data, many individuals and organizations, knowing the associated threats mitigate them through improving authentication of users, encryption of content, protection from malware, firewalls,  intrusion prevention, etc. However, no standards have been developed yet to determine whether such mobile data management systems adequately provide the fu

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Publication Date
Sat Jan 30 2021
Journal Name
Iraqi Journal Of Science
Intrusion Detection System Using Data Stream Classification
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Secure data communication across networks is always threatened with intrusion and abuse. Network Intrusion Detection System (IDS) is a valuable tool for in-depth defense of computer networks. Most research and applications in the field of intrusion detection systems was built based on analysing the several datasets that contain the attacks types using the classification of batch learning machine. The present study presents the intrusion detection system based on Data Stream Classification. Several data stream algorithms were applied on CICIDS2017 datasets which contain several new types of attacks. The results were evaluated to choose the best algorithm that satisfies high accuracy and low computation time.

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Publication Date
Tue Sep 08 2020
Journal Name
Baghdad Science Journal
CTJ: Input-Output Based Relation Combinatorial Testing Strategy Using Jaya Algorithm
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Software testing is a vital part of the software development life cycle. In many cases, the system under test has more than one input making the testing efforts for every exhaustive combination impossible (i.e. the time of execution of the test case can be outrageously long). Combinatorial testing offers an alternative to exhaustive testing via considering the interaction of input values for every t-way combination between parameters. Combinatorial testing can be divided into three types which are uniform strength interaction, variable strength interaction and input-output based relation (IOR). IOR combinatorial testing only tests for the important combinations selected by the tester. Most of the researches in combinatorial testing appli

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Publication Date
Mon Jun 01 2015
Journal Name
Journal Of Engineering
Unity Sliding Mode Controller Design for Active Magnetic Bearings System
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Active Magnetic Bearings (AMBs) are progressively being implemented in a wide variety of applications. Their exclusive appealing features make them suitable for solving traditional rotor-bearing problems using novel design approaches for rotating machinery.  In this paper, a linearized uncertain model of AMBs is utilized to develop a nonlinear sliding mode controller based on Lyapunov function for the electromechanical system. The controller requires measurements of the rotor displacements and their derivatives. Since the control law is discontinuous, the proposed controller can achieve a finite time regulation but with the drawback of the chattering problem. To reduce the effect of this problem, the gain of the uni

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Publication Date
Tue Oct 01 2013
Journal Name
Journal Of Economics And Administrative Sciences
Comparison Robust M Estimate With Cubic Smoothing Splines For Time-Varying Coefficient Model For Balance Longitudinal Data
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In this research، a comparison has been made between the robust estimators of (M) for the Cubic Smoothing Splines technique، to avoid the problem of abnormality in data or contamination of error، and the traditional estimation method of Cubic Smoothing Splines technique by using two criteria of differentiation which are (MADE، WASE) for different sample sizes and disparity levels to estimate the chronologically different coefficients functions for the balanced longitudinal data which are characterized by observations obtained through (n) from the independent subjects، each one of them is measured repeatedly by group of  specific time points (m)،since the frequent measurements within the subjects are almost connected an

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Publication Date
Tue Jan 30 2024
Journal Name
Iraqi Journal Of Science
Content Validity-Based Evaluation Criteria System for Siting Wind-Solar Plants
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     The spatial assessment criteria system for hybridizing renewable energy sources, such as hybrid solar-wind farms, is critical in selecting ideal installation sites that maximize benefits, reduce costs, protect the environment, and serve the community. However, a systematic approach to designing indicator systems is rarely used in relevant site selection studies. Therefore, the current paper attempts to present an inclusive framework based on content validity to create an effective criteria system for siting wind-solar plants. To this end, the criteria considered in the related literature are captured, and the top 10 frequent indicators are identified. The Delphi technique is used to subject commonly used factors to expert judgme

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Publication Date
Mon Jan 27 2020
Journal Name
Iraqi Journal Of Science
Software Development for First Aid Decision Support System
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This work presents an approach to deal with modelling a decision support system framework to introduce an application for decisions in medical knowledge system analysis. First aid is extremely important worldwide and, hence, a decision support framework, know as First Aid Decision Support System (FADSS), was designed and implemented to access experimental cases exerting danger to the general population, offering advanced conditions for testing abilities in research and arranging an emergency treatment through the graphical user interface (UI). The design of first aid treatment in FADSS depends on the general cases in first aid. We presented a strategy to manage first aid treatment  by modelling an application (FADSS) that assists pe

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