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Abstract

Organizational Technology Capabilities Effecting Risk Management And Financial Performance Among Iraqi Private Banks

Najat Shakir Mahmood

Bilad Alrafidain University, Diyala, Iraq

132-141 Vol: 15, Issue: 2, 2025
Receiving Date: 2025-03-09
Acceptance Date: 2025-06-08
Publication Date: 2025-06-22
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http://doi.org/10.37648/ijtbm.v15i02.008

Abstract

As a result, the bank's goals and objectives are in jeopardy, and any risk or uncertainty that was not anticipated has
the potential to impede their progress along the road. Every single company need to spend a significant amount of
emphasis on risk management. There is the potential for enhanced performance to be achieved via the use of
appropriate risk management measures. This article provides a comprehensive analysis of the problem of risk
management techniques that are applied by private banks in Iraq. Additionally, the article identifies the key elements
that have an influence on these tactics. An examination of the impact that risk management techniques have on
financial performance should be carried out after taking into account a variety of factors, including organizational
features (such as top-down support and training), technological capabilities (such as system usability and utility), and
other considerations. For the aim of this investigation, the sample included around 379 Iraqi bank workers who were
employed by firms that were involved in the private sector. When it came to doing the analysis of the data that was
gathered for the research, structural equation modeling was the method that was employed. According to the results
of the research, there is a strong connection between the organizational, technological, and risk management strategies
that are utilized. The company's financial performance was improved as a result of this partnership, which was a
positive development. Through the use of this study, the objective is to persuade private banks to improve the overall
efficiency of their operations by putting a higher emphasis on risk management. The private banking sector is the
target audience for this study.

Keywords: Organizational; Technology Capabilities; Risk Management Practices

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