Examining the Role of Digital Data in Supporting Financial Inclusion Through Fintech Services in Banks

Authors

• Mohammed Sadiq Hlail Dhuwayhi, Wasit University, College of Management and Economics, IraqFollow
• Alaa Nadim Odeh Attia, Wasit University, College of Management and Economics, IraqFollow
• Dhulfiqar Hameed Abed Jaber, Wasit University, College of Management and Economics, IraqFollow

Abstract

This paper attempts to explore the connection between the investment in digital data and the practice of financial inclusion through financial technology (FinTech) services in banks. The study applied a descriptive-analytic design and collected data using a questionnaire to a sample of employee of banking-sector. Statistical analysis has provided statistical significance regarding the positive relationship between the use of digital data and FinTech services, on the one hand, and the level of financial inclusion, on the other. It was also revealed that the quality of digital information and its integration with technological services can increase the availability of financial services to individuals and make their utilization more efficient. The paper finds that digital transformation is a pillar of promoting financial inclusion and recommends the need to strengthen the regulatory frameworks, and human capital development in order to bring full benefits of such changes.

Keywords

Digital data, Financial inclusion, Financial technology, Digital banking, Digital transformation, Banks

Recommended Citation

Dhuwayhi, Mohammed Sadiq Hlail; Attia, Alaa Nadim Odeh; and Jaber, Dhulfiqar Hameed Abed (2026) "Examining the Role of Digital Data in Supporting Financial Inclusion Through Fintech Services in Banks," Muthanna Journal of Administrative and Economics Sciences: Vol. 16 : Iss. 3 , Article 17.
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