Purpose: The primary purpose of this research is to explore Cash Recycling Machine (CRM) systems and determine customer satisfaction after using CRM services. Research Methodology: To collect data for this research, a questionnaire was created and a survey was conducted to assess user contentment with the Cash Recycling Machine (CRM) of the United Commercial Bank (UCB) PLC. During the investigation of the Cash Recycling Machine (CRM) system, a secondary data source was utilized. Results: An analysis indicates that Almost 97% of respondents regularly utilized CRM services while continuing to depend on conventional banking methods. Nevertheless, a significant proportion of participants (over 20%) frequently employed CRM systems. Specifically, 47% utilize these systems four to seven times each month. This study demonstrates that banks are implementing novel services to entice a larger clientele, while consumers are allowed to utilize the banks' fundamental services, such as making deposits and withdrawals. Limitations: Banks are restricted from accessing crucial information owing to data privacy concerns.  Furthermore, the use of secondary data may not adequately reflect the perspective of UCB PLC, owing to scalability issues. Ultimately, the limited sample size is a result of clients' strong unwillingness to allocate time for research. Contribution: This study and its implications can be used for additional research in emerging economies to comprehensively examine the adoption of new technologies in the banking industry. Novelty: The core reaction of consumers to an emerging technology for rapid economic growth.

Purpose: This study examines how good corporate governance practices and the establishment of risk management committees reduce investors’ risks and improve performance. Research Methodology: Data stream and annual reports were used to acquire secondary data for all 21 banks listed on the Iraqi Stock Exchange between 2019 and 2021, totalling 63 firm-year observations. Data were analyzed using Stata version 15. Results: The data show that board size and independence have strong negative relationships with bank performance. The financial knowledge of the board and independence of the risk management committee had minor positive relationships with performance. Limitations: This study examines board size, independence, financial expertise, and the presence of a risk management committee. Other factors that may impact bank performance include the type of ownership structure, audit committee, and the application of additional financial performance indicators such as Tobin’s Q. Future research could expand to encompass these factors. Contribution: This study aims to provide valuable insights to the Iraqi government and regulators, aiding them in formulating new policies and deliberating on issues related to corporate governance concerning bank performance. It is well-established that both shareholders and companies rely on robust corporate governance mechanisms, especially as a means of augmenting bank value Novelty: The presence of a risk management committee reduces managers' discretion to engage in opportunistic behavior. This study educates regulators on the importance of firms having sound corporate governance and separate and active risk management committees to improve internal control.

Purpose: Industrial training, a structured educational program, provides supervised hands-on training within specified time frames and is available in both the private sector and government settings. Its primary aim was to bridge the gap between theoretical knowledge and practical skills, enabling participants to apply classroom learning in real-world scenarios. This experiential approach fosters competency development and a deeper understanding of industrial practices, teamwork, and professional ethics, ultimately preparing individuals for successful careers in various sectors. Research Methodology: Data analysis was conducted using a statistical software tool tailored for predictive modeling and analysis. This dedicated software package was employed to scrutinize and interpret the dataset, allowing for the extraction of meaningful insights and predictions. This analytical approach involves a series of statistical techniques, algorithms, and models to uncover patterns, correlations, and trends within the data. Results: From the perspective of instructors, industrial training has been noted as a catalyst for enhancing students' proficiency in both formal and informal communication, aiding them in identifying suitable research areas for their projects and honing their abilities in socialization and relationship-building. Limitations: The applicable and functional setting for the findings of this study lies within the realm of educational settings. Contribution: Our conclusions highlight the pivotal role of industrial training in enhancing students' abilities and knowledge following their training programs. We advocate recognizing industrial training as a valuable instrument for augmenting employees' skills and capabilities.