https://m2.mtmt.hu/ hun 2026-09-22 05:47 JournalArticle 36916859 APPROVED true 0 false 2026-02-18T01:21:40.778+0000 2026-02-02T15:30:09.963+0000 2026-02-02T15:30:05.662+0000 true 10011932 Gubán Ákos /api/author/10011932 Author Gubán Ákos (Operációkutatás, Gazdaságinformatika) true 10011932 5508637 2026-07-29T10:08:20.555+0000 2026-07-29T10:08:20.430+0000 Author 10011932 /api/author/10011932 Gubán Ákos (Operációkutatás, Gazdaságinformatika) Gubán Ákos true 10011932 true SUSPECT 2026-02-02T15:30:10.196+0000 2026-07-29T10:08:20.430+0000 false false true 24 24 /api/publicationtype/24 PublicationType Folyóiratcikk 1 true 24 JournalArticle true 10000059 Article true 24 24 /api/publicationtype/24 PublicationType Folyóiratcikk 1 true 24 JournalArticle /api/subtype/10000059 Szakcikk SubType Szakcikk (Folyóiratcikk) 101 true 10000059 true 1 /api/category/1 Category Tudományos true 1 Akram Turki, Younis true false /api/journal/10036868 REVIEWED F1000RESEARCH 2046-1402 true false 10036868 true 10036868 true 2046-1402 Journal FOREIGN 15 157 157 2026 Objective The study aims to explore how the features and components of digital maturity influence the enhancement of e-service quality at Al-Rafidain Bank – Fallujah Branch. Design/Methodology The study employed a descriptive-analytical methodology, utilizing a questionnaire as the primary tool to measure the relationships between variables. Theoretical/Framework This study investigates the impact of digital maturity on e-service quality (reliability, trust, security, responsiveness, ease of invective, data confidentiality, etc.) to find out if Al-Rafidain Bank will be able to serve its customers more efficiently and effectively in the coming years Findings The findings showed a strong correlation and a significant impact of digital maturity on the quality of e-services offered. It was also established that digital maturity explained between 53% and 56% of the service quality variance. The strongest drivers in this regard included technological culture, organizational structures, and visions and perceptions, while the impact of technological tools was weak in the absence of effective implementation. These findings suggest that to achieve superior quality in e-services, having technology available is a prerequisite. However, having technology is not enough; it should be combined with organizational elements, staff empowerment, and a predominant digital vision. Thus, digital maturity is an essential determinant for performance improvement and institutional digital transformation. Conclusions The results showed that Al-Rafidain Bank – Fallujah Branch, Al-Rafidain Bank in the Fallujah branch, maintains a high level of digital maturity, which is a result of advanced technology coupled with quality e-services. The technological culture organization, and digital vision framework uniquely enhance service quality, demonstrating the need to provide all the digital components in order to attain a tangible transformation that is viable and efficient. true 2026 true true true false false GOLD 2026-02-18 false http://f1000research.com 0 0 0 0 0 0 0 0 0 0 0 0 2 2 Q1 false false false false 2026-05-03T14:30:09.852+0000 5 19 0 2 0 false Language 10002 /api/language/10002 Angol Angol English true 2 true PersonAuthorship 133493342 /api/authorship/133493342 Akram Turki, Younis 1 0.5 true false false Akram Turki Younis true false false AuthorshipType 1 /api/authorshiptype/1 Szerző 0 true 0 true false true PersonAuthorship 133493343 /api/authorship/133493343 Khawam Mahmood, Zaid 2 0.5 false true false Khawam Mahmood Zaid true false false AuthorshipType 1 /api/authorshiptype/1 Szerző 0 true 0 true false true PublicationIdentifier 31335334 /api/publicationidentifier/31335334 DOI: 10.12688/f1000research.174203.1 PlainSource 6 /api/publicationsource/6 DOI PublicationSourceType 10001 /api/publicationsourcetype/10001 DOI true true true DOI DOI https://doi.org/@@@ true true 6 true 10.12688/f1000research.174203.1 https://doi.org/10.12688/f1000research.174203.1 false true PublicationIdentifier 31335335 /api/publicationidentifier/31335335 Egyéb URL: https://f1000research.com/articles/15-157/v1 PlainSource 40 /api/publicationsource/40 Egyéb URL PublicationSourceType 10006 /api/publicationsourcetype/10006 Link true true true Egyéb URL Other URL @@@ true true 40 true https://f1000research.com/articles/15-157/v1 https://f1000research.com/articles/15-157/v1 false true SjrRating 11660452 /api/sjrrating/11660452 sjr:Q1 (2026) Scopus - Arts and Humanities (miscellaneous) F1000RESEARCH 2046-1402 147 0.24 journal RatingType 10002 /api/ratingtype/10002 sjr sjr true true ClassificationExternal 1201 /api/classificationexternal/1201 Scopus - Arts and Humanities (miscellaneous) true 1201 true Q1 FROM_PREVIOUS_TO_LAST_YEAR true true Reference 72012138 /api/reference/72012138 1. 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(2026) F1000RESEARCH 2046-1402 15 p. 157<div class="JournalArticle Publication long-list"> <div class="authors"> <img title="Idézőközlemény" style="float: left" src="/frontend/resources/grid/publication-citation-icon.png"> <div class="autype autype0"> <span class="author-name" >Akram Turki Younis </span> ;&nbsp;&nbsp;&nbsp; <span class="author-name" >Khawam Mahmood Zaid </span> </div> </div> <div class="title"><a href="/gui2/?mode=browse&params=publication;36916859" target="_blank">The Role of Digital Maturity in Achieving the Quality of E-Services: An Analytical Study at Al-Rafidain Bank – Fallujah Branch</a></div> <div> <span class="journal-title">F1000RESEARCH</span> <span class="journal-issn">(<a target="_blank" href="https://portal.issn.org/resource/ISSN/2046-1402">2046-1402</a> )</span>: <span class="journal-volume">15</span> <span class="page"> p. 157. </span> <span class="year">(2026)</span> </div> <div class="pub-footer"> <span class="language" xmlns="http://www.w3.org/1999/html">Nyelv: Angol | </span> <span class="identifiers"> <span class="id identifier oa_none" title="none"> <a style="color:black" title="10.12688/f1000research.174203.1" target="_blank" href="https://doi.org/10.12688/f1000research.174203.1"> DOI </a> </span> <span class="id identifier oa_none" title="none"> <a style="color:black" title="https://f1000research.com/articles/15-157/v1" target="_blank" href="https://f1000research.com/articles/15-157/v1"> Egyéb URL </a> </span> </span> <div class="publication-citation"> <a target="_blank" href="/api/publication?cond=citations.related;eq;36916859&sort=publishedYear,desc&sort=title"> Idézett közlemények száma: 2 </a> </div> <div class="mtid"><span class="long-pub-mtid">Közlemény: 36916859</span> | <span class="status-data status-APPROVED"> Nyilvános </span> Idéző | <span class="type-subtype">Folyóiratcikk ( Szakcikk ) </span> | <span class="pub-category">Tudományos</span> | <span class="publication-sourceOfData"></span> </div> <div class="lastModified">Utolsó módosítás: 2026.02.02. 16:30 Gubán Ákos (Operációkutatás, Gazdaságinformatika) </div> </div></div>