srjebmSRJEBMSRJEBM2788-9505https://doi.org/10.47310/srjebm.2025.v05i02.001The Impact of Using Intelligent Financial Forecasting Models on Improving Credit Granting Decisions in Iraqi Commercial BanksThe purpose of this research is to explore the impact of using smart financial forecasting models on improving credit granting decisions in a sample of Iraqi commercial banks, namely (National Bank, Commercial Bank of Iraq, Mansour Bank, Bank of Baghdad, and Middle East Bank). This objective was aimed at addressing the problem the research seeks to address, which was formulated in the main question: "What is the impact of using smart financial forecasting models on improving credit granting decisions in Iraqi commercial banks?" Based on this, the research relied on two models to measure the level of research variables: (Kida model and Z-score model). To analyze the results, the Excel v2019 office package was used, producing the best and most accurate results. Accordingly, the research presented several findings, most notably that the banks concerned focus on using smart financial forecasting models to ensure achieving the desired level of accuracy in credit granting decisions with the aim of reducing risks in the targeted business market. To achieve these results, the research recommends the importance of the concerned banks adopting and adopting investment models that contribute to the development and training of their employees. This is to ensure positive awareness of data analysis by ensuring the development of Updating their capabilities and adopted mechanisms for accurate smart financial forecasting requires the adoption of accurate databases to feed these models and enhance these banks' ability to make informed credit decisions aimed at reducing risk and improving their financial performance.