Measuring the Impact of the Spread of Electronic Payment Methods on the Market Value of the Bank Using the ARDL Methodology Applied Research at the International Development Bank
Main Article Content
Abstract
The research problem was represented in the problem of the weak use of banks for modern technologies represented by payment tools such as (electronic cards) and the weakness of strategies for disseminating them in a way that meets the needs and desires of customers in a way that can attract the largest number of customers. By adopting the descriptive statistical approach and using the statistical analysis program (Eviews 12) to test the research hypotheses, and the results of estimating the relationship between electronic payment methods represented by electronic cards and automated teller machines in the market value of the stock indicates the significance of the estimated relationship and that there is an effect of electronic payment methods on the market value of the stock.
Article Details

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
References
Abdullah, K. A., Al-Rad, I. I. (2006). Department of Domestic and International Banking Operations (Dr. I). Dar Wael for Publishing, Distribution and Printing.
Abu Al-Ezz, A., Abu Ahmed, E. (2008). Electronic commerce and its provisions in Islamic jurisprudence. Dar Al-Naqash for Publishing and Distribution.
Adnan, B. A. M. (2007-2008). Sharia Investment in the Stock Market - A Study of the Ingredients and Tools from an Islamic Point of View (Master's Thesis). University of Mohamed Khider Biskra, Faculty of Economics and Management.
Aftan, A. A., Al-Obeidi, S. B. (2022). Adopting International Financial Reporting and Accounting Standards to Measure Equity Investments and Their Impact on Sustainable Growth: Applied Research. Journal of Accounting and Financial Studies, 17(60).
Al Shabib, D. K. (2012). Investment and Investment Analysis. Dar Al Yazouri.
Al-Hakim, H. T. A., Hassan, A. M. (2010). Evaluation of Ordinary Shares Using the Discount Model - Jordan Model. Journal of Administration and Economics, Al-Mustansiriya University, 81.
Al-Hamdani, R. I., Al-Juwajati, A. F. A. (2007). The impact of monetary policy on the market value of stocks and bonds: an analytical study of a sample of the Arab Gulf countries. Al-Rafidain Development Journal, College of Administration and Economics, University of Mosul, 88.
Al-Jeddah, M. N. b. S., Jawdat Khalaf, S. (2009). Electronic Commerce. Dar Al-Hamid for Publishing and Distribution.
Al-Jerjawi, H. K. (2008). The Role of Financial Analysis of Financial Information Published in Financial Statements to Predict Stock Prices - An Applied Study on Firms Listed in the Palestine Stock Exchange (Master's Thesis). Islamic University / Palestine - Gaza, College of Commerce.
Al-Mashhadani, A. R. H. (1995). Investment Analysis and Evaluation in Common Stocks: An Applied Study in the Baghdad Stock Exchange (Unpublished Master's Thesis). University of Baghdad, College of Administration and Economics.
Al-Saeed, B., Samir, M. (n.d.). Evaluation of the economic establishment: the entrance to the economic added value (EVA), Algeria. Retrieved from sadbrika@yahoo.fr.
Al-Shammari, K. M. N., Al-Abd Al-Lat, A. F. Z. (2008). Electronic banking (1st ed.). Wael House for Publishing, Distribution and Printing.
Al-Shammari, M. S., Hassan K. H., Haider J. K. (2017). Evaluating Investment Decisions - Theory and Applications. Al-Nibras Foundation for Printing.
Al-Tai, M. A. H. (2013). Electronic Commerce. House of Culture for Publishing and Distribution.
Buhaih, A. Q. (2013). Al Shamel for the suspension of business and banks. Dar Al Khaldouniyah for Publishing and Distribution.
Daoud, F. A., Khalifa, S. A., Abdel-Amir, M. H. (2020). The electronic payment methods used to localize salaries and their impact on improving the mental image of customers: an applied study of the opinions of a sample of commercial (private) bank customers contracting with the Ministry of Higher Education and Scientific Research to localize staff salaries. Journal of Accounting and Financial Studies, 15(53).
Kashmiri, A. A. (2020). The Economic Value Added Index for Evaluating Companies Listed in the Saudi Stock Market: A Case Study of the Basic Materials Companies Sector. The Arab Journal for Scientific Publishing, 23.
Kenawy, E. (2005). Money and Banks. Dar Al-Ilm for Publishing and Distribution.
Khadija, S. (2013). Replacing the traditional means of payment by electronic means: a case study of the Rural Development Bank - Biskra Agency (Master's Thesis). Mohamed Khedir University of Biskra.
Laftah, M. T. (2019). The Iraqi Payments System and a Course in Achieving Financial Inclusion - Applied Research in the Central Bank of Iraq (Unpublished higher diploma thesis). Council of the Higher Institute for Accounting and Financial Studies at the University of Baghdad.
Muhammad, M. M. I. (2014). The electronic payment system and its impact on the effectiveness of commercial banks (Applied research for a sample of banks) (Higher diploma equivalent to a master’s degree in banks). Higher Institute of Accounting and Financial Studies, University of Baghdad.
Mustafa M. I. M. (2014). Electronic Payment System and its Relationship to the Effectiveness of Commercial Banks. Journal of Accounting and Financial Studies, IX(28).
Saleh, M., Maarifi, F. (2007). Towards an Investment Climate and Electronic Banking. In Fifth Scientific Conference. Philadelphia University, College of Administrative and Financial Sciences.