The reality of banking information technology in the Iraqi banking sector

Abstract

The banking sector represents the backbone of economic life in any country in the world, as it plays the main role in financing economic development. There is no development today without an effective and developed banking sector in the field of performance and upgrading banking services with stakeholders, and the most important characteristic of banking is the increasing development  Banking technology in order to modernize the systems and means of providing banking operations and innovating modern techniques for banking service, all of which leads to the expansion of the market share of customers and increasing confidence with them.  The statistical analysis of it in the Iraqi commercial banking sector (governmental and private), and a sample was taken of the commercial banks located in the Middle Euphrates region, a questionnaire was prepared to ensure the existence of a relationship between the study variables (banking information technology) as an independent variable, and (financial inclusion) as a dependent variable,  Accordingly, (270) questionnaires were distributed to the employees to ensure the retrieval of the minimum sample, which should be (200) employees, and the data was analyzed  For (200) questionnaires retrieved using a number of statistical tests within the statistical programs (Spss-v26) and (SmartPLS) program