The research aims to identify the nature of the relationship between digital transformation and the level of innovation in banking services in Iraqi private banks. to achieve it the researchers followed the descriptive analytical approach as a study methodology, where the Iraqi private banking sector was chosen, specifically the banks operating in Anbar Governorate, represented by (United Investment Bank, Iraqi Islamic Bank for Investment and Development, Bank of Baghdad, and Economic Investment Bank) as a site for applying the research. (41) questionnaires were distributed to employees working in these banks, all of which were retrieved, but the valid ones for analysis and measurement amounted to (39) questionnaires. The statistical program (SPSSV.27) was used to find the averages, standard deviations, and relative importance of each dimension and thus of the main variables. The program (AMOSV.24) was also used to test the hypotheses identified by the study of correlation and influence relationships to collect the necessary data and information. The research reached several results, the most important of which is that there is a correlation. The study examined the relationship between digital transformation and the level of innovation in banking services. It presented several recommendations, including enhancing investments in digital infrastructure by directing bank investments toward modernizing technological systems and providing the necessary digital infrastructure to support digital transformation processes on an ongoing basis.
Ibrahim et al. (Fri,) studied this question.