Vol.10, No.2, May 2021.                                                                                                                                                                                    ISSN: 2217-8309

                                                                                                                                                                                                                         eISSN: 2217-8333


TEM Journal



Association for Information Communication Technology Education and Science

Impact of Banking Risks on the Electronic Banking Services: A Comparative Study


Abdul-Hussein Jasim Mohammed, Munaf Abdulkadhim Mohammed, Ahmed Hussein Ahmed


© 2021 Abdul‐Hussein Jasim Mohammed, published by UIKTEN. This work is licensed under the Creative Commons Attribution-NonCommercial-NoDerivatives 4.0 License. (CC BY-NC-ND 4.0)


Citation Information: TEM Journal. Volume 10, Issue 2, Pages 663-672, ISSN 2217-8309, DOI: 10.18421/TEM102-22, May 2021.


Received: 13 October 2020.

Revised:   11 March 2021.
Accepted:  20 March 2021.
Published: 27 May 2021.




This paper aims to explore the impact of banking risk on electronic banking services in the Rafidain Bank and the Baghdad Bank. The study adopted the field survey method as a method of data collection and analysis. The sample included managers, their assistants, and the heads of departments who are at the decision-making site who were chosen intentionally, consisting of 43 people, including 25 from the Rafidain Bank and 18 from the Bank of Baghdad. A questionnaire was distributed to measure the study variables. The results show a significant impact of credit risk and liquidity risk on usability, benefits and cost reduction. Therefore, it is necessary to put in place mechanisms by the banks in question to help reduce risks, as these risks are the cause of many banking crises.


Keywords –Banking Risks, Electronic Banking Services, AL-Rafidain Bank, Baghdad Bank.



Full text PDF >  



Copyright © 2021 UIKTEN
Copyright licence: All articles are licenced via Creative Commons CC BY-NC-ND 4.0 licence