This study aims to clarify the role of creativity and leadership in achieving competitive advantage in the banking business environment. As the presence of leadership in the business environment is a result of the presence of important precedents that contributed to its achievement, which is represented in innovation and creativity as a continuous chain that cannot be divided, which in turn is one of the most important ingredients in the path of success and development of organizations and their survival and achieving the banking competitive advantage as a strategic goal sought by most organizations at the present time . Since relying on the adaptive innovative tradition in Iraqi organizations is not sufficient at all to catch up with the developed economy in the countries of the world, and since the business environment is characterized by instability as an inherent characteristic of it, it is very important to adopt the entrepreneurial spirit that is represented in entrepreneurship to progress quickly and achieve qualitative leaps that contribute to distinguishing clearly differentiated from its competitors. The conceptual framework of the current study was based on three main variables. Innovation and entrepreneurship as independent variables and achieving banking competitive advantage as a dependent variable. This study was applied in private banks affiliated to the banking sector in Iraq. A questionnaire will be developed to ensure the existence of a relationship between the main variables of the study as a tool for data collection in 10 private banks in Iraq for a sample of (213) working individuals and using a set of statistical tools available in programs (SPSS V.22 – AMOS V.22)
This research aims to identify the strengths of artificial intelligence, which appear through the adoption of its tools and its role in improving the financial efficiency of government banks in Iraq. As the presence of artificial intelligence is one of the most important components of banks in the course of development, allowing them the ability to optimize their financial efficiency, and in light of the uncertain conditions experienced by organizations, the presence of artificial intelligence is expected to have a prominent role in improving the financial efficiency of banks. Government at present. The conceptual framework of the current study was built on two main variables: artificial intelligence as an independent variable, financial efficiency as a dependent variable. The main question of the study was formulated as follows: "What is the role of artificial intelligence in financial efficiency in the Iraqi banking sector? What is the role of digital transformation in that relationship?" This study was applied in the governmental banking sector in Iraq in Al-Rafidain and Al-Rasheed Banks in DhiQar and their subsidiaries.
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