Abstract
The research aims to highlight the impact of electronic payment methods on financial inclusion, especially through an applied analysis based on real data from the Iraqi banking sector using the ARDL model, which allows us to study the relationship between economic variables in the short and long term. The research concluded that there is a joint integration relationship, and the presence of a long-term direct equilibrium relationship that moves from all independent variables (number of ATMs, number of cards, points of sale) towards the dependent variable (the aggregate index of financial inclusion) for Iraqi banks.
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