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1. The relationship between technological advancements and banking services Prepared by: dawan dler Othman Supervised by: A.P barzan ali Salahadin University-Erbil Administrative & Economics Department of Finance & Banking High diploma 2023-2024

2. Introduction The banking industry has undergone a remarkable transformation driven by technological advancements. Banks have been at the forefront of adopting new technologies to enhance their services and operations, recognizing the immense potential for improving efficiency, expanding their reach, and delivering superior customer experiences. The relationship between technology and banking services is not merely a one-way street; rather, it is a symbiotic and mutually reinforcing partnership. Technological innovations have enabled banks to offer new and improved services, which in turn create demands for further technological development, fueling a continuous cycle of innovation.

3. Key aspects of the relationship between technological progress and banking services Online Banking Automated Teller Machines (ATMs) Risk Management and Compliance Data Analytics Artificial Intelligence (AI)

4. Importance Improving Customer Experience Increasing Efficiency and Productivity Improving Risk Management and Security Innovating New Products and Services Enhancing Competitive Advantage Achieving Growth and Sustainability

5. benefits Cybersecurity Risks Overreliance on Technology Risks Compliance and Regulatory Violation Risks Data Integration and Management Risks Third-Party Reliance Risks Continuously Evolving Threat Risks

6. References Ahmed, Mahmoud Ahmed. Marketing of Banking Services: A Theoretical and Practical Approach. Al Baraka Publishing and Distribution, Amman, Jordan, 1st edition, 2001. Babas , Mounira , and Fali, Nabil. "The Islamic Banking Industry in Facing the Challenges of Financial Technology." The International Journal of Entrepreneurial Finance, Faculty of Economic Sciences, University of Setif , Algeria, vol. 3, no. 1, 2020. Maati , Sayed Ahmed. The Reality and Impact of New Information and Communication Technology on the Activities of Algerian Banks: An Analytical and Exceptional Study of Saida Banks. Master's thesis, Faculty of Economic Sciences, Commercial Sciences, and Management Sciences, University of Tlemcen , 2012. Bresh , Abdelkader. Banking Liberalization and Requirements for Developing Banking Services and Increasing the Competitiveness of Banks. Doctoral thesis in Economic Sciences, University of Algiers, 2006.