The Effect of Technological Banking Services on Enhancing the Financial Inclusion of a Sample of Local and Foreign Banks in The City Of Erbil

Abstract

The research focuses on the importance of technological banking services in promoting financial inclusion, which aims to attract the financially excluded and integrate them within the formal financial system, and deliver financial services and products to them, especially the low-income individuals and families, at an appropriate cost, and the binary logistic regression model was used based on a sample questionnaire. It reached (30) private banks in the city of Erbil, and for the purpose of analyzing the collected data, the statistical program SPSS was used. The research concluded that the transactions of most explanatory variables (banking technology) have a positive impact on the dependent variable (financial inclusion). It also suggested providing and expanding Using banking applications on mobile phones, and localizing employee salaries.