By Murad A. Hadi
Virtual banks, an innovative breed of financial institutions operating without physical branches, have revolutionized the banking landscape worldwide. This article delves into the inception, modus operandi, regulatory frameworks, and challenges surrounding these digital entities.
The emergence of virtual banks marks a paradigm shift in the traditional banking...
Saif Diaa Dair / Specialized researcher in community security studies / Postgraduate student in the Public Policy Ph.D. program - University of Al-Nahrain / Iraq
Introduction
Human civilization continues its journey towards progress at an accelerated pace, intertwining in its folds technology that touches all aspects of life. In the shadow...
Wafa Fawzi
Introduction
The post-war era in Iraq, characterized by the aftermath of conflicts and political instability, has presented a complex and challenging landscape for the country’s banking sector. Emerging from the shadows of wars and subsequent social and political upheavals, Iraqi financial institutions have faced numerous challenges. These challenges include...
Wafa’a Fawzi Hamza - Researcher
This report comprehensively explores the complex dynamics of digital inequality within fragile societies. The term “digital gap” refers to the disparity between individuals or communities with access to digital technologies and those without. The report highlights disparities in digitization, opportunities, and challenges, particularly in fragile...
Wafaa Fawzi - Researcher
The features of government administration in the modern era are formed under the influence of several main trends with different factors, including technological progress, changing citizens' expectations, and evolving societal needs. Governments that adapt to these trends are better positioned to meet the evolving needs of...
Ahmed Khedair Hussein - Sociology researcher and academic.
Introduction:
Iraq suffers from a markedly social fragility problem, facing a growing state of social unrest and citizen-state gaps. Some of these problems are attributed to the lack of social and health protection services, the lack of job opportunities, the increased pressures caused...
Wafaa Fawzi -Researcher
Report of the United Nations Development Program in Iraq, presenting the overall landscape of digital maturity in the Iraqi public sector in 41 areas of e-government (Political will and support, coordination, funding model, legal framework, digital data and databases, secure data exchange, digital identity and secure digital...
Zeina Malik Araibi - Researcher
Introduction
The international community is on the cusp of a paradigm shift like national security threats, and a major change that represents a historic turn in the nature of security, as a result of the technological developments and innovations achieved by the Fourth Industrial Revolution, which...
Mohammed Al-Rubaie - Researcher
Graduate studies play an important role in shaping the future of Iraqis seeking advanced academic qualifications. For these students, obtaining a master’s or doctoral degree at Western University is irreplaceable because of its great importance due to the many advantages and opportunities offered by educational systems in these countries compared...
Abdelmadjid Salah Daoud - University Professor/Sociology Specialist/Anbar University
The major political and societal transformations since the founding of the Iraqi state, along with wars and armed conflicts, have led to crises in Iraqi society, and social waste within society, The succession of crises and conflicts in previous years has caused...
