AL-Qadisiyah Journal For Administrative and Economic sciences

Digital Financial Services and Customer Protection

Authors

Esraa Abd Farhan 1
Omar Duraid Hamid 2

1 University of Wasit

2 University of Al-Qadisiyah

https://doi.org/10.33916/qjae.2025.Specialissue01220
Abstract
Recently, Iraq has witnessed a shift toward digitizing banking products and adopting digital financial services in its customer interactions. Fintech plays a key and effective role in facilitating financial transactions by developing banking operations and spreading a digital culture. The research reviewed fintech and its role in accessing the Iraqi economy through the banking market, as well as the digital financial services provided to customers and their relationship to customer protection in terms of data and financial transactions. It also examined the financial and banking reality in Iraq by reviewing some indicators. Several conclusions were reached, including that the application of fintech faces numerous obstacles and requires infrastructure and development spending in the field of digital banking financial services. The research's most important recommendations include working to revitalize the banking sector, increasing awareness and digital culture, and covering all regions, including rural areas.

Keywords

FinTech
digital financial services
customer protection
Crossmark
AL-Qadisiyah Journal For Administrative and Economic sciences
Volume 26, Special 1
Winter 2026
Pages 12-20

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