Artificial Intelligence in Islamic Banking and Its Impact on the Banking Performance of Iraqi Banks: Applied Study (for Iraqi Banks)

Makki Mohammed, Intisar

doi:10.33916/qjae.2026.015769

	Artificial Intelligence in Islamic Banking and Its Impact on the Banking Performance of Iraqi Banks: Applied Study (for Iraqi Banks)
AL-Qadisiyah Journal For Administrative and Economic sciences
Volume 28, Issue 1, April 2026, Pages 57-69 PDF (12.44 M)
Document Type: Research Paper
DOI: 10.33916/qjae.2026.015769
Author
Intisar Makki Mohammed
Ministry of Higher Education and Scientific Research
Abstract
This research was undertaken to investigate the effect of Artificial Intelligence (AI) technology on the performance of Islamic banks in Iraq. Digital transformation within the banking industry has resulted in an accelerated integration of AI as a significant factor in improving banking performance (or enhancing) through digital transformation. The study employed a descriptive-analytical research design using primary data collected from 50 respondents via a structured survey (questionnaire) that was distributed to employees working in the Iraqi banking system. Of the 50 respondents, 40 were ultimately analyzed using the SPSS statistical program and the AMOS v23 to test the hypotheses regarding AI applications and their impact upon banking performance using a structural modeling approach. The research results indicate that both the growth of AI applications and the training of employees will contribute to enhancing banking performance within the Islamic banks that operate in Iraq. The results of this research have significant implications for banking managers and policymakers who wish to enhance the performance of banks located within the Iraqi banking system.
Keywords
Artificial Intelligence; Islamic Banking; Banking Performance; digital transformation; service quality; Iraq

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