41 research outputs found

    Financial Technology and its Role in Achieving Sustainable Development

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    هدفت هذه الدراسة بشكل أساسي الى ايضاح دور التكنولوجيا المالية كتجربة مالية حديثة في القطاع المصرفي ودورها في تمكين هذا القطاع من تحقيق تنمية اقتصادية واجتماعية من خلال تمكين مختلف الفئات الاجتماعية من اقتناء الخدمات الالكترونية والاستفادة منها في تلبية حاجاتهم، اذ اعتمدت الدراسة على المنهج الوصفي التحليلي في دراسة الجوانب المجتلفة للتكنولوجيا المالية والتنمية المستدامة واختبار فرضية البحث من خلال عمل استبانة من 22 فقرة وقد تم تحليلها على وفق البرنامج الاحصائي spss  فضلا عن قياس صدق وثبات الاستبانة من خلال اختبار درجة المصداقية بمعامل الفا كرومباخ وذلك لغرض اختبار وقياس درجة المصداقية في الاستجابات الواردة عن أ أسئلة الاستبانه، اذ تكمن مشكلة البحث في بيان دور التكنولوجيا المالية في تحقيق عمليات التنمية المستدامة، والتي على أساسها تم قبول الفرضية البديلة وقد توصل البحث الى ان هناك دور كبير للتكنولوجيا المالية في تحقيق جوانب تنموية اقتصادية واجتماعية مختلفة، كما توصل البحث الى جملة من التوصيات أهمها ان استخدام ابتكارات ومميزات التكنولوجيا المالية في تقديم الخدمات المصرفية يساهم بشكل كبير في تحقيق التنمية الاقتصاديةThis study aimed mainly to clarify the role of financial technology as a modern financial experience in th banking sector and its role in enabling this sector to achieve economic and social development by enabling various social groups to acquire electronic services and benefit from them in meeting their needs, as the study relied on the descriptive analytical approach in Study the various aspects of financial technology and sustainable development and test the research     hypothesis by doing a questionnaire of 29 items, It was analyzed according to the statistical program (spss) as well as measuring the validity and consistency of the questionnaire by testing the degree of reliability in the alpha Krumbach factor, for the purpose of testing and measuring the degree of credibility (reliability) in the responses to the questionnaire, as the research problem lies in explaining the role of financial technology in achieving sustainable development operations, on the basis of which the alternative hypothesis was accepted and the research has concluded that there is a large role for financial technology in Achieving various aspects of economic and social development. The research also reached a number of recommendations, the most important of which is that the use of innovations and features of financial technology in providing banking services contributes significantly to achieving economic developmen

    Evaluation of Bituminous Moisture Damage of High Silica Aggregate

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    Moisture damage (Stripping) in Hot Mix Asphalt (HMA) is the loss of adhesive bond between aggregate particles and bitumen due to water action. Most urban roads in Iraq have been exposed to moisture damage failure because of the high silica content in aggregate, this phenomenon led to a decrease in the service life of roads and an increase in maintenance cost. This study used two anti-stripping agents: hydrated lime and Wetfix-BE. Lime was added as a powder to the aggregate in a dosage of 2.0 % of the aggregate weight and Wetfix-BE, a liquid chemical adhesion promoter for hot and warm mix asphalt, was added to asphalt at in dosage of 0.5 % from the total weight of asphalt. The retained Marshall stability, tensile strength ratio, Texas boiling test, and static immersion test are calculated to determine the resistance to moisture damage. The results indicated that both Wetfix-BE and lime could increase Marshall retained stability, tensile strength, and resistance to moisture damage of mixtures, especially at higher condition temperatures. The bitumen modified with Wetfix-BE had better results than bitumen modified with lime for all tests at different temperatures

    The Financial Technology (Fintech) and cybersecurity: Evidence from Iraqi banks

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    In this paper, we investigate the definition of Fintech and measure the extent of the impact of Fintech variables on the Cybersecurity as the dependent variable. The hypotheses developed by the authors which are based on research through the statistical results of the research variables and as all correlation coefficients were a positive relationship and at the level of significance 0.01 which made the authors accept the correlation hypotheses, and for the results of the influence factor between the research variables it also had a positive effect when the level of 0.05 for all sections of the independent variable, as we have also noticed that the influence of the independent variable of financial technology when linked to all of its sections with Cybersecurity. We find the influence of the influence coefficient significantly increased to 0.908, which explains that there is a complementarity between the sections of the independent variable
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