2025, Vol. 8, Issue 2

author(s)
Anas Dheyab Salim

abstract
Monetary policies are considered among the most prominent economic tools that countries rely on to regulate economic activity and achieve financial stability. Therefore, this research aimed to analyze the extent to which financial technology contributes to enhancing the effectiveness of monetary policies. The study adopted the descriptive analytical method and utilized the E-Views program for data processing and hypothesis testing through the application of statistical methods and indicators. The research reached several findings, most notably the absence of a statistically significant impact of the annual growth rate of the broad money supply in Iraq on the rate of financial transactions conducted via financial technology within the Iraqi banking sector during the period (2004-2024) at the 0.05 level. It also revealed a slight impact of the currently applied financial technology in Iraq on the monetary policies implemented in the country. Therefore, the study recommends the need to provide technological infrastructure that will contribute to enhancing the ability to apply financial technology within the Iraqi banking sector, along with the importance of training employees in the Iraqi banking sector on the tools and methods of financial technology.