2025, Vol. 8, Issue 2

author(s)
Najim Suhel Najim

abstract
This study provides an overview of the requirements that must be taken into consideration for designing the operation of artificial intelligence systems, presenting the appropriate measures to enhance their development and application, and identifying the impact of these requirements on activating digital financial inclusion mechanisms in commercial banks. The study surveyed the opinions of (259) employees in the Bank of Baghdad and the Iraqi National Bank. It relied on the descriptive and analytical approach, and to achieve the objectives of the study, a questionnaire was used to collect data and analyze it using (SPSS V.26). The study concluded that there is a significant positive impact of applying the requirements of artificial intelligence systems, represented by (material requirements, organizational requirements, human requirements, technical requirements, and security and information protection requirements), in enhancing the effectiveness of financial inclusion in the commercial banks under study. The study recommended that digital financial inclusion should focus on maximizing its impact on beneficiaries through the effective use of artificial intelligence systems and the development of innovative financial solutions that would build a more effective, resilient, and inclusive future.