The relationship between the use of financial technology and corporate profitability: An applied study on a number of Iraqi commercial banks
December 2025 , Pages 99-107
Authors
Asst.Prof.Dr.Abdul Razzaq Khader Hassan Hassan 1 ; Asst.L.Muhammad Hazim Dhiab Dhiab 2 ; Asst.L. Haitham Ahmad Yaqub 1
1 Hawija Technical College - Northern Technical University
2 Ministry of Finance - National Insurance Company - Kirkuk Branch
10.17656/12030
Keywords
Abstract
The research aims to determine the impact of using financial technology (FinTech) in supporting and enhancing the profitability of commercial banks (return on equity) and achieving financial stability, and to present the latest literature proposed for financial knowledge according to the researchers' perspective, using a purposeful sample that included twelve Iraqi commercial banks listed on the Iraq Stock Exchange for a period of five years (using time-series cross-sectional regression analysis as the research model). The research results revealed that the use of financial technology has an impact on enhancing and supporting the return on equity and achieving financial stability by reducing risks. The researchers recommended the necessity of deepening the use of modern financial technology systems such as artificial intelligence, financing and investment platforms, and providing financial services via phone, which represent part of business digitization given their significant role in enhancing financial inclusion and banking efficiency), as well as urging the regulatory and supervisory authorities (the Central Bank of Iraq) to oblige commercial banks to adopt these systems within the framework of well-studied action paths for their importance in enhancing performance within a sustainable banking environment.
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- First online10 January 2026
- Published at26 December 2025
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