Quantitative volatility and financial technology and their role in flow problems in Islamic banks An analytical study of some Islamic banks operating in Kurdistan region over the years 2018 -

January 2026 , Pages 366-391

Authors

Asst.L.wrya Muhammad Zaher Zaher 1 ; Asst.L. Ako Khader Abdullah Abdullah 2

1 University of Sulaimani, College of Commerce

2 University of Sulaimani, College of Administration and Economics

DOI logo 10.17656/12041

Keywords

Abstract

In recent years، Islamic banks have adopted a digital transformation and financial technology (Fine Tech) strategy. This research aims to shed light on this strategy by examining the concept of digital transformation and its dimensions، explaining the role of Fine Tech in the digital transformation of Islamic banks، and then exploring liquidity، its importance، and its current state within Islamic banks. The research then delves into liquidity risks، specifically those arising from the failure to maintain optimal liquidity levels، emphasizing the need for liquidity management to mitigate its severity and impact. This stems from the limited adoption of Fine Tech by the banks in the study sample and their limited utilization of digital transformations. This serves as an introduction to understanding the liquidity problem and its reality in Islamic banks، analyzing the nature of its management challenges compared to their conventional counterparts. The research concludes that digital banking has become a modern alternative to traditional banking، and that banks cannot remain as they are if they wish to survive; rather، they must integrate technology into the core of their operations.

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  • First online10 January 2026
  • Published at10 January 2026

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