The effect of adopting digital financial technologies as one of the digital transformation tools in enhancing the financial creativity of the banking institution / an applied study in a number of banking institutions in the holy governorate of Karbala

Abstract

The research seeks to show the role and impact of adopting digital financial technology tools (Fin Tech) as one of the digital transformation tools to enhance financial innovation, after financial technology (Fin Tech) has become an innovative mechanism to improve the systems and operations of the financial and banking services sector and automate them and help provide services on a large scale such as Electronic payment services and money transfer between individuals and to facilitate borrowing, financing and saving operations, and this technology contributes to providing innovative services to support beneficiaries (companies, business owners and individuals) in the banking industry in order to better manage their financial operations, and the aim of the research is to highlight the development of technology Finance as the topic of the age in the financial and banking field and addressing the most important services it provides to reach its future prospects in light of the revolution of technical innovations that changed the form of investment, saving and spending and in a way that enables banking and financial institutions to improve and enhance their financial creativity, and to achieve this goal the researcher relied on The descriptive and analytical approaches for the purpose of analyzing the research model and hypotheses and determining the logical relationships between variables The study considers, if the research considered tools for adopting financial technologies as an independent variable that affects the promotion of financial creativity as a dependent variable, as the researcher promised the questionnaire form as one of the data collection tools, and it included several parts. The second of them: the paragraphs of the independent variable and the paragraphs of the sub-variables. This part included (20) paragraphs, and in the third part of it: the paragraphs of the dependent variable and the paragraphs of the sub-variables. This part included (20) paragraphs, and in light of that, the researcher used a group of Statistical methods for testing in order to analyze and test the research variables, which were (frequencies, arithmetic averages, standard deviation, simple correlation coefficient, simple regression coefficient, and coefficient of determination