Retail Payment Technologies And Their Role In The Promotion Of Short-Term Funding
An Empirical Study In A Sample Of Iraqi Commercial Banks For The Period (2017-2020 *)
Research presented to the Board of the College of Administration and Economics / University of Karbala, and it is part of the requirements for obtaining a banking diploma in financial and banking sciences

submitted by
Sarah Hassan Abdel Hay
Supervisor
Assistant Prof .D.r . Ameer Ali Khaleel

The aim of the research is to demonstrate retail payment techniques in the Iraqi banking environment and analyze the extent to which the adoption of retail payment techniques contributes to enhancing the volume of short-term financing sources, and then to know the relative importance of short-term financing sources among banks. Deposits, insurances, provisions, central bank loans) are the ones most affected by the banks ’adoption of the research sample for retail payment techniques, and does their adoption actually enhance the volume of short-term financing in banks?

This research was applied in some commercial banks operating in Iraq as the temporal limits extended for a period of (15) chapters over a period of nearly four years. The research used a set of statistical analyzes and tests using statistical financial programs SPSSv.23 and EXCEL, and the research reached a set of results, the most important of which is that The National Bank of Iraq is the owner of the largest volume of insurance amounts for the purpose of issuing documentary credits or letters of guarantee or providing credit facilities, which means that it has the most efficient banking management among the banks in the research sample, and this is reinforced by the adoption of the research model by 100%. Automated teller machines and POS devices are more likely to encourage citizens to keep cash in banks if they see the ease of withdrawing their money and using it in their daily expenses.