دور التكنولوجيا المالية في تحقيق الاستقرار المالي
الباحث الأول:
دعاء حسين ساهي
الباحثين الآخرين:
د. علي عبد الأمير فليفل
المجلة:
مجلة ديبون للأعمال
تاريخ النشر:
14 إبريل، 2025
مختصر البحث:
Abstract This study dealt with two variables: financial technology, which is one of the most important topics for
financial and banking institutions, as an independent variable, and financial stability as a dependent variable. The
current study …
Abstract This study dealt with two variables: financial technology, which is one of the most important topics for
financial and banking institutions, as an independent variable, and financial stability as a dependent variable. The
current study aims to help Iraqi banks develop their banking services according to the latest financial and technological
innovations, as well as clarify the real role played by financial technology in financial stability as one of the modern
methods of banking work by demonstrating the extent of its ability to help spread and reach financial and banking
services to a wide segment of institutions and individuals in Iraqi society, by providing financial services with high
quality in addition to low cost, as well as ease of access to the service. The study community included the Iraqi banking
system, and the time limits of the study included the period (2017-2023) as it is the actual period in which the real trend
of financial and banking institutions began to adopt electronic financial services as an alternative method to traditional
services, as the data provided by the Central Bank of Iraq regarding the subject of the study was relied upon. The study
also adopted the financial and statistical analytical approach to measure the study variables, as the main hypotheses
related to the financial correlations and the impact between the study variables were tested, namely the financial
indicators and methods Statistics and based on the statistical program (SSPS) and financial ratios, the study reached a
set of important results, the most important of which is that financial technology has a great impact on the financial
stability of banks, so the banks in the study sample must pay attention to it according to its impact, as the size of the
benefit must be the basis for designing the banking financial service and then the level of service quality and then
taking into account the ease of access to it. As for the most important recommendations, the need for Iraqi banks to
develop the uses of financial technology in their banking financial services, taking into account the prediction of
financial stability in them to achieve access to the largest number of individuals to these services.
