THE IMPACT OF FINANCIAL INCLUSION IN BANK DEPOSITS: A STUDY IN THE IRAQI BANKING SECTOR FOR THE PERIOD (2010-2021)

Abstract

The research aims to find out the effect of financial inclusion on bank deposits for the Iraqi banking sector for the period 2010-2021, and the extent of the bank's ability to attract bank deposits through financial inclusion tools represented by (number of bank branches, number of ATMs, number of points of sale, number of credit cards) , as financial inclusion is one of the modern banking products that helps the financial stability of the banking sector as it represents an attraction factor for individuals who are outside the banking system through the financial services it provides for financially marginalized individuals, such as insurance, and credit, and opening bank accounts, as well as helping financial stability for the banking sector through the stabilization of bank deposits, and the provision of sufficient liquidity that the bank can employ in credit operations and achieve a sufficient level of return, and achieve sustainable consumer development, and the research used the deductive method for the theoretical side and the analytical and standard method for the practical side as well as the use of the statistical programEviews10) for the period 2010-2021,And the study reached a set of conclusions, the most important of which are:that there is a strong correlation with the existence of a meaningful effect of financial inclusion in bank deposits, as well as the growth of financial inclusion tools and their spread, but it does not rise to the level of ambition, nor does it harmonize with the size of the population density, and the study concluded with a set of recommendations, the most important of which was: the need to expand tools Financial inclusion and its dissemination at a wide level of the country, urging the government and private banks to switch to electronic banking, and to adopt modern banking technology in banking.