Abstract
This study aims to explore the impact of digital financial technology (DFT) on financial support, as it becomes more present within relevant institutions. This is done by analyzing the relationship between electronic payment systems, artificial intelligence (AI), smartphones, and their success. Data was collected through a questionnaire distributed to 45 customers of three commercial banks operating in Babil Governorate (Bank of Baghdad, International Development Bank, and National Bank of Iraq). Data was analyzed using SPSS v.24. Details of financial contributions to digital development were obtained, including contributions through electronic payment processes, digital finance, and financial oversight. This level of influence has been limited in enhancing service quality and operational efficiency, leading to market changes and supporting investment in the financial sector.
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