Vol: 15, Issue: 2 2025

Page: 132-141

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

Najat Shakir Mahmood

Received Date: 2025-03-09

Accepted Date: 2025-06-08

Published Date: 2025-06-22

http://doi.org/10.37648/ijtbm.v15i02.008

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.

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