Banking coverage and its impact on bank deposits a study of the Iraqi banking sector for the period (2011-2019)

Abstract

This research aims to identify the nature of banking inclusion and the extent of its contribution to providing banking services and creating new job opportunities that contribute to attracting bank deposits, as well as enhancing opportunities for competition between banks by diversifying their services, and paying attention to their quality to attract the largest number of bank deposits. the research started from a main problem that is (does banking inclusion have an impact on attracting bank deposits), and the data of banking inclusion and bank deposits in Iraq for the period (2011-2019) were analyzed in terms of the correlation and impact between the independent variables and the dependent variable using the statistical program (SPSS), through which the researchers reached a set of conclusions, most notably: The results of the statistical analysis showed the existence of a strong direct correlation between the indicators of banking coverage and bank deposits, which amounted to (973%), and the results indicate that the significance of the multiple linear regression model is proven at the level (0.05), as the calculated (F) value was (29.128). It is greater than the tabular value of (F) which is (5.41), and in light of the conclusions, a set of recommendations were reached, the most prominent of which are: Expanding the use of ATMs, electronic cards, and points of sale, because of their important role in providing electronic banking transactions, and communicating these Transactions to the largest number of members of Iraqi society, which requires the Central Bank of Iraq to urge banks to expand the provision of this type of electronic banking services for ease of use and access.