The Impact of Integration between Financial Technology Techniques and Cost Management in Enhancing Customer Perceived Value - An Exploratory Study

This research aims to demonstrate the impact of integrating financial technology and cost management on enhancing the value perceived by customers in a sample of Iraqi companies listed on the Iraq Stock Exchange. Financial technology has become a modern tool adopted by companies to improve financial and administrative performance, reduce costs, and enhance the quality of services provided to customers. This research stems from the problem of the relative weakness in utilizing the integration of financial technology and cost management in a way that effectively enhances the value perceived by customers within Iraqi companies. The research adopted a descriptive-analytical approach and designed a questionnaire for data collection. One hundred (100) questionnaires were distributed to a sample of accountants, auditors, financial managers, and administrators working in five Iraqi companies listed on the Iraq Stock Exchange: Bank of Baghdad, Trade Bank of Iraq, International Development Bank, Baghdad Soft Drinks Company, and Al-Mansour Pharmaceutical Industries, with twenty (20) questionnaires distributed to each company. The research concluded that there is a significant relationship and impact between integrating financial technology and cost management and enhancing customer perceived value. This integration contributes to reducing operational costs, accelerating transaction processing, and improving service quality, which positively affects customer satisfaction and their perception of value. The research recommended expanding the adoption of modern financial technology and linking it with cost management methods to contribute to achieving a sustainable competitive advantage for Iraqi companies.