The Impact of Electronic Automation and its Efficiency on the Performance of Commercial Banks for a Period (2011-2021)

The research aims to shed light on the impact of electronic services on the profitability of Iraqi private commercial banks, and to make a comparison between them for that performance. Explaining the extent to which the research sample banks are able to provide electronic banking services and keep pace with global development. And identifying the most important indicators that greatly affect the improvement of the performance of commercial banks. This research is applied to a sample of three banks listed on the Iraq Stock Exchange, namely (Bank of Baghdad - Gulf Commercial National Bank - Mosul Bank for Development and Investment), and the time period of the research was (2011-2021). While the practical aspect used the analytical method for the financial data of banks related to the research variables and evaluating the economic phenomena during the research period and following up on their developments during the different time periods and then deducing the effects resulting from that, and the standard analysis was processed according to (Panel Data) in addition to using the statistical program (Eviews12) to show the effect of the independent variables (ATM, electronic cards) on the dependent variable banking efficiency. The research reached a set of conclusions, the most important of which was: the use of banks for ATMs and electronic cards, which provide ease in completing international financial transactions such as (withdrawal and payment), which makes them a suitable means for travel and work abroad by facilitating international operations.