Search Results for solvency
Abstract
The research aims to test the financial equilibrium in the Iraqi commercial banks, by utilizing a sample of (9) commercial banks listed in the Iraqi Stock Exchange, for the period (2004-2019). Four financial indicators have been chosen, to measure the financial equilibrium are (liquidity index, profitability index, index financial flexibility, solvency index), and the descriptive and analytical approach was used for the data and information contained in the reports and statements of the research sample banks. Moreover, (Excel-2010) and (SPSS.V.22), to test the hypothesis and answer the question related to the problem of the study and reaching the goals, and as the research reached a set of results. the main finding of this study do not suffer from a financial imbalance resulting from weakness in its four dimensions. Furthermore, this research recommend that, the banks should evaluates its financial performance on an ongoing basis, using indicators of financial equilibrium for its importance in the strength of The financial position of any company with financial activity.
Abstract
Artificial intelligence (AI) applications are essential for enhancing payment security and improving customer experience in financial institutions. This research aims to examine the challenges faced by Mastercard in Australia and Visa in Singapore in implementing these technologies. The study focuses on three main areas: challenges related to fraud and privacy, the strategies employed by both companies to address these challenges, and the impact of AI applications on customer satisfaction and trust. The research adopts an analytical methodology that combines both qualitative and quantitative data, relying on diverse sources including academic studies and annual reports. The findings reveal that the effectiveness of AI applications varies across the two markets, reflecting different responses to local challenges. For instance, Mastercard demonstrates a greater reliance on machine learning technologies in Australia to combat fraud, while Visa in Singapore focuses more on enhancing privacy and data protection. The study offers strategic recommendations aimed at improving payment security and customer experience, such as increasing transparency in data usage and strengthening communication with customers. This research contributes to a deeper understanding of the role of AI in financial services, providing valuable insights for companies and practitioners in the sector. By addressing the unique challenges of each market, customer satisfaction can be enhanced and greater trust in digital payment services can be fostered.
Abstract
Economic diversification is a major concern for economists and policymakers alike. Various countries strive to achieve the highest levels of economic diversification in their economic programs. Economic diversification is also crucial for poverty reduction in Iraq, particularly through developing and creating job opportunities by expanding the agricultural, industrial, and renewable energy sectors. This study attempts to present an approach to economic diversification policies and addressing and reducing poverty in Iraq, based on theoretical principles from modern economic literature and objective data from the Iraqi economy. This includes examining the phenomenon of poverty, efforts to combat it, and the potential for economic diversification within the general budget and financial system. This forward-looking vision can be used to develop a policy that contributes to economic diversification, thereby mitigating economic fluctuations, achieving stability, increasing economic growth, and eliminating unemployment and, consequently, poverty The research problem adopts the topic that Iraq is one of the quartile countries that depend on a single economic resource, namely oil, to finance public spending. In the event that the macro economy is exposed to external and internal shocks such as the decline in oil prices, in addition to the mortgage crisis, as well as the COVID-19 pandemic, this will lead to a state of financial deficit. Therefore, it is better to rely on economic diversification, which does not allow the economy to be subject to sectors that use raw materials, and to expand economic activities, renewable energy, increase competitiveness, and create added value for the economy as a whole, which leads to reducing poverty.