Abstract
Global changes as a result of technology in the field of financial and banking activities have shown great competitive challenges as a result of the globalization of banking activity and the liberalization of banking financial services to take its challenges on the shoulders of banking activity to adapt to the changes and face the negative effects and take advantage of them to achieve their gains and it became necessary to work on the development of banking services and keep abreast of developments in this field to achieve the wishes of customers is one of the main entrances to increase and develop the competitiveness of banks
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