The role of banking information technology in enhancing the value of the bank Dimensions

Research presented to the Board of the Faculty of Management and Economics at the University of Karbala as a part of requirements to obtaining the higher diploma in banks
Submitted by the student
Ali Suleiman Mohammed Al-Hayali
Supervised by
Prof. Dr. Abdul Fattah Jassim Zaalan

Abstract
The importance of the development of information and communication technology has emerged of great importance in the fact that specialists in banks see that it is possible to acquire this development in all aspects, banks, which are among the most important technological achievements that they have reached, as man was able to eliminate distances and shorten time, which made the world more like a small electronic screen , As industrialized countries invaded and entered all aspects of life, as well as the digital economy became a feature of the era, where it was used to implement services, facilitate exchange movement and improve relations between banks and its customers.Based on that, the research problem focused on (the lack of awareness of Iraqi banks, the research sample of the importance of banking information technology and its role in maximizing the value of the bank) through dealing with customers, which was reflected in the inability to use modern methods of dealing with customers by forecasting and meeting their needs and desires.Where the researcher put forward several hypotheses, the most important of which are (there is no statistically significant relationship between information technology and the value of the bank) and the banks (Rafidain Bank, Rasheed Bank, Iraqi Commercial Bank, Baghdad Bank) were chosen as a sample for research through a questionnaire and it was presented to the experts for arbitration as explained In Appendix (4), (45) questionnaires were distributed to employees of the departments and divisions in banks, the research sample was valid, of which (40) questionnaires were approved. A set of conclusions were reached, the most important of which was (there is a willingness to adopt information technology by the private bank management, where it is still The banks ’efforts are so far simple.
Where the results of the analysis showed the existence of a moral correlation between banking information technology and the value of the bank at the sub and macro level, as there is a need to conduct field studies from time to time to identify the latest developments that have been reached, and to involve workers in government and private banks in specialized training courses. Inside and outside, for the purpose of improving the quality of services provided to
customers, and also the bank management need to improve the quality of banking services through the use of modern communication devices such as fax, e-mail, intranet and extranets between banks in the completion of banking work and the replacement of bank administrations with traditional methods with modern and sophisticated ones through which it is possible to upgrade In the banking business, as the research results showed that there is a lack of interest in the researched banks in the issue of providing the skills and competencies needed to manage information technology.Where the researcher recommended a set of recommendations, the most important of which was (the necessity to build banking strategies based on conducting field studies by relying on information technology and building a broad customer base), and a question was reached that can banks invest information and communication technology in a similar way to improve the quality of their services. And improve its relations with its customers and add an advanced service that helps banks to provide and provide services to their customers, as well as working on surveying customers’ opinions from time to time regarding banking for the purpose of identifying their needs and desires in the types of services they wish to obtain and benefit from the opinions and proposals of holders of higher degrees in the field Banking work and endeavoring to adopt these opinions and proposals in a manner that ensures maximizing the value of the bank.