THE ROLE OF ARTIFICIAL INTELLIGENCE IN IMPROVING THE FINANCIAL EFFICIENCY OF BANKS: AN APPLIED STUDY OF A SAMPLE OF INDIVIDUALS WORKING AT AL-RAFIDAIN AND ALRASHEED BANK IN DHIQAR

Abstract

This research aims to identify the strengths of artificial intelligence, which appear through the adoption of its tools and its role in improving the financial efficiency of government banks in Iraq. As the presence of artificial intelligence is one of the most important components of banks in the course of development, allowing them the ability to optimize their financial efficiency, and in light of the uncertain conditions experienced by organizations, the presence of artificial intelligence is expected to have a prominent role in improving the financial efficiency of banks. Government at present. The conceptual framework of the current study was built on two main variables: artificial intelligence as an independent variable, financial efficiency as a dependent variable. The main question of the study was formulated as follows: "What is the role of artificial intelligence in financial efficiency in the Iraqi banking sector? What is the role of digital transformation in that relationship?" This study was applied in the governmental banking sector in Iraq in Al-Rafidain and Al-Rasheed Banks in DhiQar and their subsidiaries.