Contemporary developments in information technology and technologicaltransformation using modern systems, technologies and means of payment have had a role indeveloping the work of banking institutions and raising their competitiveness in both developedand developing countries, even if the degree of their impact varies from one bank to another, but the Iraqi banks, despite their attempts to catch up with the technological and informational development However, it is still at the beginning of the road, so how can it benefit from advanced technology capabilities and advanced programs to provide electronic financial services in a manner that enhances its competitiveness locally, regionally and globally. Fromcustomers and deposits, such as the National Bank of Iraq, Spectrum Islamic Bank and AlJanoob Islamic Investment Bank