Opinions
In-depth analysis and bold opinions from elite experts and thought leaders in finance and technology.
Analysis
May 17, 2026Are Iraqi Shop Owners Really Comfortable Using POS Devices?
Over the past few years, POS devices have become increasingly visible across Iraqi markets, restaurants, pharmacies, and retail stores, especially with the expansion of electronic payments and growing discussions about reducing dependence on cash
Analysis
May 13, 2026Before July 2026… Is Iraq Really Ready for a Reduced-Cash Economy?
As July 2026 approaches, the issue of electronic payments has returned to the center of discussion in Iraq, particularly with growing conversations around government efforts to reduce dependence on cash and expand the use of digital payment systems across public institutions, markets, and everyday services
Analysis
May 12, 2026Are Iraqi Banks Actually Transforming Into Digital Banks?
Over the past few years, Iraqi banks have started moving more visibly toward digital services after a long period in which the banking sector relied heavily on traditional procedures, paper-based processes, and in-branch services
Analysis
May 11, 2026Iraq’s Digital App Race: Who Will Succeed in Building the Largest User Ecosystem?
Digital applications in Iraq are no longer satisfied with offering just a single service. The market is witnessing a clear shift toward what is globally known as “super apps” — platforms that aim to keep users a single ecosystem combining transportation, payments, shopping, and various daily services
Analysis
May 10, 2026Competition Is No Longer About the Service Alone… But About How Easy It Is to Use
In previous years, simply having a digital application or online service was considered a major step within the Iraqi market. Many companies focused mainly on launching applications or providing digital services, without paying significant attention to user experience or ease of use
Analysis
May 9, 2026Expanding Integration Between Digital Wallets and Banking Cards Reflects a Shift in Iraq’s Digital Payments Market
Recent months have witnessed noticeable growth in the integration between certain digital wallets and banking cards in Iraq, reflecting a gradual shift in the structure of digital financial services and how they are used
Analysis
May 6, 2026Fintech Beyond Banks: Where Is It Actually Used in the Iraqi Market?
Financial technology is no longer limited to banks or digital wallets in Iraq. It is increasingly visible across multiple sectors of daily life. This expansion reflects a shift from fintech being a standalone financial service to becoming part of the everyday economic infrastructure
Analysis
May 3, 2026Fintech in Iraq: Between Numbers and Reality — Is the Growth Real or Overstated?
In recent years, Iraq’s financial technology (Fintech) sector has experienced noticeable growth, reflected in the rise of electronic payment companies, the spread of digital wallets, and the expansion of cards and modern financial services
Analysis
April 30, 2026From Conferences to the Market: How Do Fintech Summits Shape the Future of Digital Payments?
Financial technology conferences and banking summits are no longer just formal events or protocol-driven gatherings. They have become an important part of financial decision-making and shaping the future of digital markets. With the rapid expansion of electronic payments and financial inclusion, these events now represent real spaces for presenting solutions, building partnerships, and discussing the future of the financial sector
Analysis
April 29, 2026Iraq 2026: Has Financial Technology Truly Begun to Reshape the Economy?
Financial technology (Fintech) in Iraq is no longer just an idea linked to digital wallets or mobile payments. It is gradually becoming a core part of rebuilding the national economy, reducing reliance on cash, and improving the relationship between citizens and financial institutions
Analysis
April 26, 2026Who Determines the Success of Fintech in Iraq: Companies or Users?
Iraq’s fintech sector is experiencing noticeable expansion, with a growing number of payment companies, digital wallets, and modern financial services. This growth reflects clear efforts to build a digital financial infrastructure capable of supporting the transition toward a less cash-dependent economy
Analysis
April 13, 2026Who Really Profits from Digital Payments? A Look into Fintech Business Models
With the rapid expansion of digital payments and financial services, an important question arises: who actually profits from this ecosystem? While end users benefit from fast and convenient services, there is a complex network of stakeholders generating revenue from every digital transaction.
Analysis
March 12, 2026E-Wallets vs Digital Banks in Iraq: Which Is Better?
Iraq is experiencing rapid digital transformation in financial services. Two major components of this transformation are e-wallets and digital banks, which allow users to manage financial transactions through mobile devices and online platforms.
Analysis
March 1, 2026The Impact of Blockchain Technology on Iraqi Banks: Digital Transformation and Future Prospects
Blockchain technology is reshaping the global financial industry. In Iraq, where the banking sector is undergoing digital transformation, blockchain presents significant opportunities to enhance transparency, efficiency, and security.
Analysis
February 10, 2026Why I Took a Month Off Social Media
Reconnecting with the real world has improved my mental health significantly.
Analysis
February 10, 2026The City of Tomorrow Must Be Car-Free
Prioritizing pedestrians and public transport is the only way to build livable cities.
Analysis
February 10, 2026Opinion: Why We Need to Rethink Standardized Testing
The current system measures memorization, not intelligence or creativity.
Analysis
February 10, 2026Beyond Crypto: How Blockchain Can Transform Iraqi Supply Chains
Blockchain technology offers transparency and efficiency gains for the oil and trade sectors.
Analysis
February 10, 2026The Road to a Cashless Iraq: Challenges and Opportunities
Moving away from cash requires cultural shifts, not just technological ones.
Analysis
February 10, 2026Opinion: Why Iraq Needs Flexible Fintech Regulations
Strict regulations might stifle innovation in the burgeoning fintech sector.