اثر استخدام التقنيات المصرفية الحديثة على الاداء المصرفي (دراسة تطبيقية للمصارف العراقية -الرافدين والرشيد)

Abstract

bstract In light of the global trend towards knowledge economies which _are based on modern technologies to invest knowledge in raising the level of many areas , including banking , new forces driving force of the economy have emerged so the land or the owner of capital is no longer the key factor and the engine of economic forces , but has become a supplier of knowledge and technological and technical is the primary engine of the forces of economic and became ICT means survival tool and can not be dispensed with in the light of an open world depends on the competitiveness benchmark for progress and prosperity . This study is an attempt to deal with the impact of modern banking technology on banking performance . The study has shown how vulnerable modern techniques in Iraqi banks and the lack of connecting branches the bank one with each other, and key management linkage networking , and the inability of banks on the use of technology as one of the most important problems facing the banking industry in Iraq . A number of the objectives of the study has been made, namely , measuring the availability of information technology, banks electronic, Banks Internet , incorporated by specialized in technology and the development of the culture of the customer and the spread of the business application of technology on banking performance .The researcher has designed questionnaire including ( 9) paragraphs, consisting of 62 questions to gather preliminary information from the study sample consisting of ( 120 ) as a sample In light of it has been collecting and analyzing data and test hypotheses using a number of curriculum research required by the study, such as (((SPSS statistical analysis to identify and examine the situation , as was the use of descriptive statistics to display and analyze the data and statistical tables , moreover it has been referred to sources of secondary information ( books ) references , research and the use of inductive approach in personal interviews of the basic references. The study involves four chapters . Chapter one explores which methodology of the study and previous studies . Chapter two deals with intellectual framework for the study . Chapters three studies of the shows Almngeralbaih technological performance and the reality of the work of banks surveyed ,whiIe chapter fours displaces and analysis of the views of workers banks about the variables of the study . The analysis of the study variables and test hypotheses , and differences for the variables of the study , concluded the study findings and recommendations ;

The study is rounded up with results and further recommendation .Also , the study has been built upon the following : 1. There is no effect that is statistically significant at (a <0.05) level of information technology on banking performance (various and quick sen/ices, enhancement of the level of efficiency, and profitability)in' terms of technological environment (specialized functional cadre in information technology, technological culture of client and spread of business technology). 2. There is no effect that is statistically significant at (a ' <0.05) level of electronic banks on banking performance, (various and quick sen/ices, enhancement of the level of efficiency, and profitability) in terms of technological environment (specialized functional cadre in information technology, technological culture of client and spread of business technology). 3. There is no effect that is statistically significant at (a <0.05) level of internet banks on banking performance,(various and quick sen/ices, enhancement of the level of efficiency, and profitability) in terms of technological environment (specialized functional cadre in information technology, . technological culture of client and spread of business technology). 4. There is no effect that is statistically significant at (a <0.05) level of technological environment, (specialized functional cadre in information technology, technological culture of client and spread of business technology) on banking performance, (various and quick services, enhancement of the level of efficiency and profitability). The research has approached to a number of research findings , the most significant ones are : 1. A Banking sen/ice coupled with information technology has a primary role in the essential change in banking business. 2. Expansion of internet banks‘ utilization in banking activity is risky. 3. Modern banking technology, established particularly to be applied to a technological environment needs a specialized functional cadre with client culture.

There is a desperate need to keep pace with and answer the needs of clients in the diffident lraqi cities. Utilization of banking technology leads to achieve an efficient control system. Based on the research findings , it has been recommended the following : The research has strongly recommended laying down policies and instructions and administrative procedure in relation to banking business, in order to keep pace with the rapid development in the field of information technology and electronic banks. To recruit post graduate holders as a functional cadre in banks which in turn may lead to develop performance and answer the needs of clients. Work to provide for modern environment in terms of programs and equipment that which are relevant to development in the sphere of electronic banks. The research highly recommended establishing a central computer unit (electronic link) in order to maintain a central database. To enact obligatory legislations and rules .To cope with the highly technologies development.