Public Confidence in Commercial Banks in the Kurdistan Region
The Impact of Trust, Institutional Culture, Security and Government Role
DOI:
https://doi.org/10.24086/cuejhss.v10n1y2026.pp56-63Keywords:
Public confidence, Trust in banking, Security concerns, Political instability, Kurdistan RegionAbstract
This study examines the key determinants influencing public confidence in the banking sector of the Kurdistan Region. Using a quantitative descriptive survey involving 122 respondents, the research investigates four main factors: Fear of losing money, weak banking culture, security concerns, and political instability while acknowledging the overarching role of government support and regulatory effectiveness. Regression analysis revealed that all four determinants negatively affect public confidence, with fear of losing money emerging as the most influential factor. The findings highlight that restoring confidence requires improving institutional performance, enhancing financial literacy, and stabilizing the political and security environment. The study provides a holistic framework suited to post-conflict regions and offers actionable recommendations for policymakers and banking institutions.
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