The Effect of Innovative Information Technology AndHuman Knowledge on The Financial Performance of Iraqi Banks: An Analytical Study

Abstract

This research aims to demonstrate the role of innovative information technology provided through human
ideas in the organization and measure its impact on financial performance (FP). The research applied to a sample of Iraqi
banks operating in the Iraq Stock Exchange for the fiscal period (2018-2019-2020), besidescalculating the number of
financial outlays based on the number of innovations and information generated by human knowledge (HK) and assessing
their effect on banks' financial results. Following the analysis, the study concludes that there is a strong association
between interest in HK and the positive proposals they have submitted related to financial and banking innovations and
transfer and electronic payment processes, improving the Bank's financial and administrative capabilitiesin the future.