Measuring and analyzing the role of financial technology in developing bank credit in Iraq for the period 2017-2023

The study aimed to analyze the role of financial technology in enhancing Iraqi bank credit during the period 2017-2023 using monthly data for the Iraqi banking sector starting from April 2017 until November 2023. The cointegration methodology was used and an autoregressive model with time-distributed slowdown periods was used. It was concluded that there is a positive and significant effect for each of the following: Electronic payments via mobile phones and gross settlement systems on bank credit, while the relationship was inverse and significant between the value of electronic instruments and bank credit. It is recommended to use new groups of financing and the modern results of electronic projects and how to apply them, including all their types and uses, and then this tax will reflect the increase in dealing with banks as well as the volume of their credit.