Financial Intelligence and Performance Industry: An Analysis of Its Impact on The Productivity of Iraqi Private Banks As A Model

Importance stems from its focus on a modern and vital topic: financial intelligence and its ‎role in improving banking productivity. This aspect has not received sufficient attention ‎within the Iraqi environment. It provides a cognitive framework that helps foster a deeper ‎understanding of the relationship between smart financial capabilities and productivity levels. ‎It also helps decision-makers in banks formulate strategies based on investing in smart ‎financial capabilities, enhancing operational efficiency, and increasing competitiveness ‎towards building a strong banking sector capable of facing economic challenges. Aim‏ ‏: Clarifying the concept of financial intelligence and its theoretical and practical dimensions in ‎the banking sector‏ ‏, measuring the level of financial intelligence among the management of Iraqi ‎private banks. In addition, analysing the relationship between financial intelligence and ‎productivity in private banks to verify the impact of financial intelligence as an indicator of ‎improved banking performance. Problem‏ ‏: The Iraqi banking sector is characterized by ‎relatively weak productivity and performance efficiency compared to banking sectors in other ‎countries. This is due to several reasons, most notably the lack of sufficient attention to the ‎concept of financial intelligence as a strategic tool that contributes to improving banking ‎performance.‎‏ ‏Hypothesis: Financial intelligence has a positive and statistically significant ‎impact on productivity levels, which in turn improves banking performance in the Iraqi private ‎sector.‎‏ ‏Results‏ ‏show a statistically significant, positive, and long-term relationship between ‎financial intelligence and banking productivity in Iraqi private banks.‎‏ ‏This indicates that ‎efforts to enhance financial understanding, analytical capabilities, and financial resource ‎management translate into sustained improvements in the efficiency and effectiveness of ‎banking operations over the long term.