AL-Qadisiyah Journal For Administrative and Economic sciences

The Role of FinTech in Enhancing the Quality of Sustainable Banking Operations

Authors

Nidhal Abdullah Yassen Al-Maliki
Fawziah Hussein Al-Hlaly
Hussein Muhammad Ali Kashkool
Ghazi Faisal Mohammed Ali

University of the Warith AL-Anbiyaa

https://doi.org/10.33916/qjae.2025.Specialissue0254260
Abstract
Study Summary:This study aims to understand the role played by financial technology in enhancing the quality of sustainable banking operations, by analyzing the impact of modern financial technologies on the efficiency and sustainability of banking operations at the Central Bank of Iraq. The importance of the study arises from the growing need to employ financial technology to achieve banking sustainability and improve the quality of financial operations, thereby contributing to the development of the Iraqi banking sector and making it more compliant with international standards. (152) questionnaires were returned, with a return rate of (85.88%). The data was analyzed using appropriate statistical methods to test the relationship between financial technology and the quality of sustainable banking operations. The most important conclusions are that the results demonstrate that financial technology significantly contributes to improving the efficiency of banking operations and reducing operating costs, thereby improving sustainability in the banking sector. The Central Bank of Iraq also plays a vital role in fostering technological innovation by adopting policies that support digital transformation and improve financial inclusion. The most important recommendations include the need to develop banks' digital infrastructure to ensure the effectiveness and efficient application of financial technology, and to strengthen banking legislation and policies that support digital transformation, with a focus on financial and environmental sustainability.

Keywords

Fintech
banking operations quality
banking sustainability
Central Bank of Iraq
digital transformation
financial inclusion
Crossmark
AL-Qadisiyah Journal For Administrative and Economic sciences
Volume 26, Special 1
Winter 2026
Pages 254-260

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