The Department of Financial Studies the Post-graduate Institute for Accounting and Financial Studies at the University of Baghdad discussed the research titled (The impact of banking diffusion and financial inclusion on competitive advantage-Applied research in a sample of private Iraqi commercial banks ) for the student mohammed raed hussein to obtain a higher diploma equivalent to a master’s degree in banks and grants its holder All rights and privileges of a master’s degree
The study aimed to show the impact of banking penetration and financial inclusion of the banks that will be studied on the competitive advantage in order to achieve the financial goal and economic growth, as indicators were adopted to measure banking penetration (banking penetration, banking density), and indicators to measure financial inclusion represented by (the percentage of deposits, overdue debts).
The study concluded that banking penetration and financial inclusion are still below the required level for the banks in the research sample compared to the development in providing banking services in terms of the development of modern technologies in providing banking services, and there is a correlation and a statistically significant impact relationship for banking penetration and financial inclusion on competitive advantage.
