دور ابتكار الخدمة المصرفية في تحقيق التفوق التسويقي دراسة استطلاعية في عدد من المنظمات المصرفية في مدينة دھوك

This study aims to demonstrate the role of banking innovation (involving employees, developing staff, staff, the commitment of workers) in achieving market excellence through a survey of the opinions of a sample of employees of a group of commercial banks in the state of Al M'sila, which reached 60; To achieve these goals, a questionnaire was designed as a study tool with 36 indicators. For data processing, SPSS is used based on: frequency distributions, percentages, arithmetic mean, standard deviation, Friedman's ordinal coefficient, Wilcoxen's test, Pearson coefficient, ITA square coefficient) .The study came up with several results, the most important of which are: A link and interaction between the dimensions of bank service innovation and marketing excellence.