The Impact of Financial Technology on Financial Performance: An Applied Study in a Sample of Islamic Banks in Iraq
Abstract
The aim of the research is to show the impact of financial technology in its combined dimensions (adoption of financial technology, investments in information technology) on the financial performance of Iraqi Islamic banks. The descriptive analytical approach (quantitative) was adopted, the simple probability sample method, the primary data were collected through the questionnaire, the research sample was 103 managers in the general administration, and it was analysed and hypotheses were tested using the SPSS V.23 program. The results showed that there is a weak significant (direct) correlation between financial technology in its combined dimensions and financial performance (ROA) at a significance level of 0.05, a significant impact of financial technology in its combined dimensions on financial performance (ROA) at a significance level of 0.05, and a significant direct significant impact of the dimension of investments in information technology on financial performance (ROA). The researchers recommend working on improving information security by using advanced encryption systems and firewalls to protect financial data, launching incentive programs to encourage digital innovation within banks, and employing information technology specialists to support digital transformation in the banking sector.
References
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11. Al-Shari, H. A., & Lokhande, M. A. (2023). The relationship between the risks of adopting FinTech in banks and their impact on the performance. Cogent Business & Management, 10(1), 2174242.https://doi.org/10.1080/23311975.2023.2174242[CrossRef] [Google Scholar]
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13. Azaiziah, Fadhila. (2020). “Information and Communication Technology and its Impact on Performance in the Economic Institution - Case Study of the Algerian Telecommunications Corporation, Operational Directorate - Guelma” Master’s Thesis, Department of Management Sciences, Faculty of Economics, Commerce and Management Sciences, University of May 8, 1945, Guelma - Ministry of Higher Education and Scientific Research,. Pp. P: 1-129 http://dspace.univ-guelma.dz:8080/xmlui/handle/123456789/10300 [CrossRef] [Google Scholar]
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http://dspace.univ-guelma.dz/jspui/handle/123456789/13040 [CrossRef] [Google Scholar]
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17. Dandago, K. I., Farouk, B. K., & USMAN, B. K. (2012). Impact of investment in information technology on the return on assets of selected banks in Nigeria. International Journal of Arts and Commerce, 1(5), 235-244[CrossRef] [Google Scholar]
18. Dasilas, A., & Karanović, G. (2025). The impact of FinTech firms on bank performance: evidence from the UK. EuroMed Journal of Business, 20(1), 244-258. https://doi.org/10.1108/EMJB-04-2023-0099[CrossRef] [Google Scholar]
19. Do, H. N., Do, L. C., Tran, M. D., Dao, A. T. A., & Tran, T. T. D. (2023). The impact of technological innovation on the performance of Vietnamese firms. Interdisciplinary Journal of Management Studies (Formerly known as Iranian Journal of Management Studies), 16(1), 299-321..https://doi.org/10.22059/ijms.2022.328219.674681[CrossRef] [Google Scholar]
20. Fatima Abdullah Muhammad, Attia. (2021). “Financial Technology and Supporting the Competitiveness of Islamic Banks: An Applied Study of Faisal Islamic Bank 2005-2019” Journal of Contemporary Business Studies, Volume Seven, Issue Twelve, Part One, 361-400. https://dx.doi.org/10.21608/csj.2021.222219 [CrossRef] [Google Scholar]
21. goodness With Rawya, Tajine, Radhia, Ahlam. (2020). "The role of the balanced scorecard in improving the financial performance of the economic institution for the period 2016-2019". Master's thesis. University of Kasdi Merbah. Ouargla.. https://dspace.univ-ouargla.dz/jspui/handle/123456789/35298 [CrossRef] [Google Scholar]
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23. Hamdan, M., Gharaibeh, O., Al-Quran, A., & Nusairat, N. (2021). The impact of information technology investment on the financial performance of the banks. Academy of Strategic Management Journal, 20(6), 1-12.https://doi.org/10.1016/B978-0-443-15665-6.00008-7[CrossRef] [Google Scholar]
24. Issa, H., Dakroub, R., Lakkis, H., & Jaber, J. (2024). Navigating the decision‐making landscape of AI in risk finance: Techno‐accountability unveiled. Risk Analysis.https://doi.org/10.1111/risa.14336[CrossRef] [Google Scholar]
25. Jourdan, Z., Corley, J. K., Valentine, R., & Tran, A. M. (2023). Fintech: A content analysis of the finance and information systemsliterature. Electronic Markets, 33(1),2. https://doi.org/10.1007/s12525-023-00624-9[CrossRef] [Google Scholar]
26. Keogh, P. (2021). The Growth of Digitization of Retail Banking in Ireland, and the impact FinTechs’ have on the adoption and actual usage (Doctoral dissertation, Dublin Business School). [CrossRef] [Google Scholar]
27. Khoirin, L. T. P., & Sudarmawan, B. N. (2024). Shariah Banking dynamics: Financial performance and stability amid middle east conflict. Al-Infaq: Jurnal Ekonomi Islam, 1(1), 49-68. [CrossRef] [Google Scholar]
28. Kholoud Brahma, Saliha Islahi.( 2021). "The Role of Financial Technology in Developing the Financial Sector: A Case Study of Bahrain During the Period (2016-2020)". Master's Thesis. University of May 8, 1945. Algeria. [CrossRef] [Google Scholar]
29. Khudair, R. K., & Hussein, I. A. (2022). The Role of Financial Technology in Achieving Customer Satisfaction: A Field Study in a Sample of Iraqi Banks. Millennium Journal of Economic and Administrative Sciences, 3(1). [CrossRef] [Google Scholar]
30. Lontchi, C. B., Yang, B., & Shuaib, K. M. (2023). Effect of financial technology on SMEs performance in Cameroon amid COVID-19 recovery: The mediating effect of financial literacy. Sustainability, 15(3), 2171.https://doi.org/10.3390/su15032171[CrossRef] [Google Scholar]
31. Mention, A. L. (2019). The future of fintech. Research-Technology Management, 62(4),5963
.https://doi.org/10.1080/08956308.2019.1613123 [CrossRef] [Google Scholar]
32. Neama, N. H., Abbood, R. H., & Aref, S. A. S. (2023). Financial technology and its role in Iraqi banking industry (analyzing study for selected private banks of Iraq). Open Journal of Business and Management, 11(4), 1577-1583.https://doi.org/10.4236/ojbm.2023.114087[CrossRef] [Google Scholar]
33. Nugroho, D. S., & Valencia, C. (2023, February). MSME Financing and it Investment on Corporate Performance: The Role of Fintech Adoption. In Proceeding Medan International Conference on Economic and Business (Vol. 1, pp. 645-654).https://doi.org/10.30596/miceb.v1i0.170[CrossRef] [Google Scholar]
34. Pundhir, A., Mehto, A. K., & Jaiswal, A. (Eds.). (2024). Open Electronic Data Capture Tools for Medical and Biomedical Research and Medical Allied Professionals.Elsevier. https://doi.org/10.1016/B978-0-443-15665-6.00008-7[CrossRef] [Google Scholar]
35. Safiullah, M., & Paramati, S. R. (2024). The impact of FinTech firms on bank financial stability. Electronic Commerce Research, 24(1),453475
.https://doi.org/10.1007/s10660-022-09595-z[CrossRef] [Google Scholar]
36. Saleem, A. (2021). Fintech revolution, perceived risks and Fintech adoption: Evidence from financial industry of pakistan. International Journal of Multidisciplinary and Current Educational Research, 3(1), 191-205. [CrossRef] [Google Scholar]
37. Sekaran, U., & Bougie, R. (2003). Research methods for business 5th Ed: a skill building approach. Journal of Education Business, 68(5), 316-317. [CrossRef] [Google Scholar]
38. Smilor, R. W., Gibson, D. V., & Kozmetsky, G. (1989). Creating the technopolis:High-technology development in Austin, Texas. Journal of Business Venturing, 4(1),49-67.https://doi.org/10.1016/0883-9026(89)90033-5
39. Suryono, R. R., Budi, I., & Purwandari, B. (2020). Challenges and trends of financial technology (Fintech): a systematic literature review. Information, 11(12), 590.https://doi.org/10.3390/info11120590 [CrossRef] [Google Scholar]
40. Trochim, W. M., & Donnelly, J. P. (2001). Research methods knowledge base (Vol. 2). Cincinnati, OH: Atomic Dog Publishing. [CrossRef] [Google Scholar]
41. Uddin, M. H., Mollah, S., Islam, N., & Ali, M. H. (2023). Does digital transformation matter for operational risk exposure?. Technological Forecasting and SocialChange, 197, 122919.https://doi.org/10.1016/j.techfore.2023.122919[CrossRef] [Google Scholar]
42. Yasmine Hekmat Salman, Hamza Faeq Wahib. (2019). "Measuring the Impact of Social Responsibility and its Reflection on the Financial Performance of Banks: An Applied Study in the National Bank of Iraq." Journal of Accounting and Financial Studies(JAFS)14.48. https://doi.org/10.34093/jafs.v14i48.434 [CrossRef] [Google Scholar]
Authors
[1]
“The Impact of Financial Technology on Financial Performance: An Applied Study in a Sample of Islamic Banks in Iraq”, Soc. sci. humanities j., vol. 9, no. 03, pp. 7376–7387, Mar. 2025, doi: 10.18535/sshj.v9i03.1755.
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