author(s)
Abdulkhaleq Husham Yousif Salman

abstract
The purpose of this study is to understand the role of financial technologies in the expansion of digital banking services in the Iraqi public sector, focusing on the analysis of the effectiveness of these technologies in improving these services. This study highlights the technical challenges faced by public sector banks during digital transformation and shows how financial institutions can leverage finch to improve their digital banking infrastructure and increase efficiency. This online survey is designed to focus on three key areas: demographics, financial technology, and digital banking. Based on the results, survey participants showed significant agreement on issues related to finch and digital banking. A sample consisting of bank managers and employees of the public banking sector in Baghdad province was selected. The sample size was 100 questionnaires, which were distributed using stratified random sampling. Twelve surveys were excluded because they did not meet the statistical requirements to answer all questions. Therefore, 88 questionnaires were accepted for analysis, representing 88% of the target sample size.