Cover
Volume 7, Special Issue 5 (2026)

Published: September 30, 2026

Pages: 187-202

Research Article

The Impact of Financial Technology Usage on the Profitability of Iraqi Banks and Its Implications for Urban and Regional Planning: An Applied Study for the Period 2023–2025

Dirgham A Julaib 1 Tahseen A. Lafta 1 Sufian M. Salih 2 Rawahil A. Tulai 1
1College of Administration and Economics, Wasit University, Wasit, Iraq
2College of Business Economics, Al-Nahrain University, Baghdad, Iraq
History
  • Received: July 26, 2026
  • Accepted: August 28, 2026
  • Available Online: September 30, 2026
DOI

https://doi.org/10.56967/ejfb2026961

Abstract

This study aimed to measure the impact of using financial technology (FinTech) on improving the profitability indicators of Iraqi banks, and to demonstrate the implications of this digital transformation on urban and regional planning policies in Iraq for the period 2023-2025. The research problem is centered on the extent to which digital financial innovations contribute to enhancing banking returns, and how this transformation reshapes spatial land use and affects the distribution of services within cities and regions. To achieve the study's objectives, the researcher adopted a descriptive-analytical approach to frame the theoretical concepts, and an applied approach through the analysis of financial data from a sample of leading Iraqi banks in adopting financial technology during the period (2023-2025), and cross-referencing it with spatial development and urban planning indicators. The study reached a number of key findings, most notably the statistically significant positive impact of using financial technology on increasing the profitability rates of Iraqi banks, resulting from reduced operating costs (OpEx) and decreased reliance on traditional physical branches.

Keywords

References

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