Abstract
Financial technology (FinTech) in Iraq is experiencing rapid growth, driven by the digital transformation and the increasing demand for modern banking services. These technologies contribute to financial inclusion by expanding access to e-banking, mobile payment, and digital wallets, thus reducing reliance on cash and enhancing transparency. Opportunities lie in the large, young population, the widespread use of smartphones, and the central bank's encouragement of digitalization. Challenges include weak technological infrastructure, limited financial literacy, low public trust in financial institutions, and security and regulatory issues. Addressing these obstacles will enable Iraq to harness the potential of FinTech to achieve inclusive economic growth.
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