The role of financial technology in reducing the effects of financial fragility An analytical study of a sample of private commercial banks listed on the Iraq Stock Exchange for the period (2013-2022(

Abstract

The study aims to shed light on the reality of the application of financial technology in the banking sector while clarifying the conceptual framework of financial technology and financial fragility. It also aims to demonstrate the role played by financial technology in reducing and mitigating the effects of financial fragility in the banking sector. The research is based on the descriptive analytical approach. The reality of financial technology and the development of the use of this technology in the Iraqi banks under study were studied, in addition to studying financial fragility by relying on the Sherrod model for the period from 2013 to 2022 to test the hypothesis that "the use of financial technology leads to mitigating and limiting the effects of financial fragility in private commercial banks in Iraq." The research concluded with results, the most important of which is that the use of financial technology means does not affect the financial fragility of the banks under study, and even if this effect is found, it is a very weak effect. The research recommended enhancing investment in financial technology especially in the field of establishing and developing its infrastructure