Cover
Volume 7, Special Issue 6 (2026)

Published: October 25, 2026

Pages: 160-171

Research Article

The impact of artificial intelligence technologies on the quality of digital banking services: E-Trust as a mediating variable

Marwah B. Mahan 1
1College of Administration and Economics, University of Babylon, Babylon, Iraq
History
  • Received: August 14, 2026
  • Available Online: October 25, 2026
DOI

https://doi.org/10.56967/ejfb2026989

Abstract

This study aims to examine the impact of Artificial Intelligence (AI) technologies on enhancing the quality of digital banking services, with a particular focus on electronic trust as a mediating variable in this relationship. The research problem stems from the challenge faced by banks in balancing the adoption of intelligent technological solutions with maintaining high levels of customer trust, especially within a rapidly evolving digital environment characterized by increasing cyber risks. The study adopted a descriptive-analytical approach and was conducted on a sample of 200 bank customers in Iraq. The findings reveal a significant positive direct effect of AI technologies on digital service quality. However, this effect becomes stronger and more statistically significant in the presence of high electronic trust, confirming its mediating role. Accordingly, the study recommends that banks pursue an integrated strategy combining advanced intelligent systems with robust cybersecurity measures and technological transparency to foster digital reliability and sustainable customer relationships grounded in trust and perceived value.

Keywords

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