Financial Inclusion and Its Role in Achieving Financial Sustainability: An Applied Study on a Sample of Commercial and Governmental Banks Operating in Babylon

Abstract

This study aims to examine the extent of electronic banking service usage and its impact on financial inclusion. Adopting a descriptive-analytical approach، the researcher developed a questionnaire distributed to a randomly selected sample of 60 employees in Iraqi commercial banks، of which 53 were returned and 6 excluded. Statistical analysis using SPSS revealed that commercial banks exhibit higher levels of financial inclusion in offering services such as savings، credit، insurance، and digital payments compared to governmental banks، reflecting a more advanced orientation toward financial inclusion. The study recommends that Iraqi commercial banks adopt greater financial innovations to align with global banking trends، overcome existing constraints، and expand service offerings to diverse customer segments..