The Effect of Technical Innovation on Banking Performance: An Applied Study in the Branches of Rafidain and Al Rasheed Banks in Diyala Governorate

Abstract

The current research examines the impact of technical innovation in banking performance, The problem of research was the extent of the impact of technological innovation on banking performance in the branches of Rafidain and Rashid Bank in Diyala Governorate. The questionnaire was used as a data collection tool, and a sample was distributed. The data were analyzedby using the SPSS program and a number of statistical methods were used to test the hypotheses. The research came up with a number of conclusions, the most important of which was the impact of technical innovation and its variables (providing new services, improving existing or old services, designing new service operations, improving existing service operations) in overall banking performance. The research ended with a set of appropriate recommendations, the most important of is the need for banks to inquire about technical innovation as it contributes to the provision of new banking services developed by the bank to its customers.