The impact of using advanced financial analytics in supporting strategic credit decisions for Iraqi banks

This study aims to explore the impact of using advanced financial analytics in supporting strategic credit decisions for Iraqi banks. Data was collected through a questionnaire distributed to 250 managers and employees in commercial banks, and 184 valid responses were analyzed using the SPSS program. The results showed that the four dimensions of strategic planning, namely: strategic vision, bank mission, strategic objectives, and environmental analysis, have a significant positive impact on credit granting decisions. The study also highlighted the importance of integrating advanced financial analytics within the framework of financial analytics to enhance informed credit decision-making, reduce risks, and achieve a competitive advantage for banks. The results indicate that adopting a strategic analytical approach enhances the effectiveness of credit management and ensures the sustainability of banking performance in a dynamic and constantly changing environment.