Comprehensive Banking and A Competitive Advantage in Iraqi Commercial Banks: An Applied Analysis ofA Bank Sample (2010 – 2024)
Abstract
This study examines the impact of comprehensive banking adoption on competitive advantage in Iraqi commercial banks through an applied analysis of a sample of fifteen banks over the period (2010–2024). The study employs a mixed-methods approach integrating quantitative techniques—questionnaires, composite indices, correlation analysis, and multiple regression models—with qualitative insights derived from semi-structured interviews with bank managers and financial experts. Secondary data were obtained from official reports issued by the Central Bank of Iraq and the Iraqi Securities Commission.
The findings reveal a strong and statistically significant relationship between comprehensive banking dimensions—digital transformation, service diversification, microfinance, financial literacy, and geographical outreach—and competitive advantage indicators, including ROA, ROE, market share, customer satisfaction, and service innovation. The regression model explains approximately 88% of the variance in competitiveness, with digital transformation and service diversification emerging as the most influential determinants.
The study contributes theoretically by integrating resource-based and dynamic capability perspectives into the analysis of banking modernization in a developing economy. Practically, it proposes policy-oriented recommendations focused on legislative reform, digital financing, regulatory incentives, and human capital development to enhance sustainable competitiveness in the Iraqi banking sector
About this article
Keywords
- Comprehensive Banking
- Competitive Advantage
- Digital Transformation
- Financial Inclusion
- Iraqi Banks
- ROA
- ROE.
References
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