AL-Qadisiyah Journal For Administrative and Economic sciences

Analysis of the Role of Electronic Payment Systems in Enhancing the Efficiency of Monetary Liquidity in Iraq for the Period (2018-2023)

Author

Saja Sayah Shakhir

University of Al-Qadisiyah

https://doi.org/10.33916/qjae.2025.04105119
Abstract
As a result of the digital transformations the world is witnessing in general, and Iraq in particular, towards adopting electronic payment systems as an alternative to traditional transactions, this shift is expected to impact monetary liquidity within the Iraqi economy. This is especially true given the Central Bank's drive to reduce reliance on cash and enhance financial inclusion. Since electronic payment systems reduce cash circulation, this will contribute to curbing tax evasion, controlling liquidity, and enhancing financial transparency. This research presents the role of electronic payment systems in managing monetary liquidity, focusing on the challenges and opportunities associated with this transformation in the economic structure. 

Keywords

Electronic Payment Systems
Monetary Liquidity
Crossmark
AL-Qadisiyah Journal For Administrative and Economic sciences
Volume 26, Issue 4
Winter 2026
Pages 105-119

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