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    <lastmod>2026-07-26T00:00:00.000Z</lastmod>
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        <news:name>Iraq Fintech Network</news:name>
        <news:language>ar</news:language>
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      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>ملايين بالشاشة وعالواقع ماكو شيء.. برامج الاستثمار بالعراق دعم حقيقي لو فقاعات إعلامية؟</news:title>
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    <lastmod>2026-07-26T00:00:00.000Z</lastmod>
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        <news:name>Iraq Fintech Network</news:name>
        <news:language>en</news:language>
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      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>Millions on Screen, Nothing in Reality: Are Iraq&apos;s Investment Shows Fueling Real Innovation or Media Hype?</news:title>
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    <loc>https://ifntn.com/ku/article/millions-on-screen-nothing-in-reality-are-iraqs-investment-shows-fueling-real-innovation-or-media-hype</loc>
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      <news:publication_date>2026-07-26T00:00:00.000Z</news:publication_date>
      <news:title>ملیۆنان لەسەر شاشە، بەڵام لە ڕاستیدا هیچ نییە... بەرنامەکانی وەبەرهێنان لە عێراق پشتگیرییەکی ڕاستەقینەن یان تاڵقەی میدیایی؟</news:title>
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    <loc>https://ifntn.com/ar/article/after-the-breaches-of-olla-and-tamata-are-iraqis-personal-data-becoming-a-testing-ground-for-companies-that-underinvest-in-cybersecurity</loc>
    <lastmod>2026-07-25T00:00:00.000Z</lastmod>
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    <lastmod>2026-07-24T00:00:00.000Z</lastmod>
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    <lastmod>2026-07-24T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/social-commerce-in-iraq-are-tiktok-and-facebook-algorithms-swallowing-traditional-markets</loc>
    <lastmod>2026-07-23T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/social-commerce-in-iraq-are-tiktok-and-facebook-algorithms-swallowing-traditional-markets</loc>
    <lastmod>2026-07-23T00:00:00.000Z</lastmod>
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    <lastmod>2026-07-23T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/between-a-lifeline-and-a-temporary-fix-what-does-the-return-of-seven-iraqi-banks-to-the-us-dollar-network-really-mean</loc>
    <lastmod>2026-07-22T00:00:00.000Z</lastmod>
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    <lastmod>2026-07-22T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/nothing-more-than-ink-on-paper-central-bank-meetings-on-one-side-iraqis-daily-struggles-with-the-digital-payment-system-on-the-other</loc>
    <lastmod>2026-07-21T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/nothing-more-than-ink-on-paper-central-bank-meetings-on-one-side-iraqis-daily-struggles-with-the-digital-payment-system-on-the-other</loc>
    <lastmod>2026-07-21T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/nothing-more-than-ink-on-paper-central-bank-meetings-on-one-side-iraqis-daily-struggles-with-the-digital-payment-system-on-the-other</loc>
    <lastmod>2026-07-21T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/instant-loans-at-the-tap-of-a-button-a-lifeline-for-iraqi-youth-or-an-unforgiving-digital-debt-trap</loc>
    <lastmod>2026-07-19T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/instant-loans-at-the-tap-of-a-button-a-lifeline-for-iraqi-youth-or-an-unforgiving-digital-debt-trap</loc>
    <lastmod>2026-07-19T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/instant-loans-at-the-tap-of-a-button-a-lifeline-for-iraqi-youth-or-an-unforgiving-digital-debt-trap</loc>
    <lastmod>2026-07-19T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/ar/article/fintech-and-freelancing-in-iraq-financial-freedom-or-digital-servitude-under-the-rule-of-algorithms</loc>
    <lastmod>2026-07-18T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/fintech-and-freelancing-in-iraq-financial-freedom-or-digital-servitude-under-the-rule-of-algorithms</loc>
    <lastmod>2026-07-18T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/fintech-and-freelancing-in-iraq-financial-freedom-or-digital-servitude-under-the-rule-of-algorithms</loc>
    <lastmod>2026-07-18T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/ar/article/money-deducted-order-missing-has-electronic-payment-on-baly-become-a-trap-for-iraqi-users</loc>
    <lastmod>2026-07-17T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/money-deducted-order-missing-has-electronic-payment-on-baly-become-a-trap-for-iraqi-users</loc>
    <lastmod>2026-07-17T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/money-deducted-order-missing-has-electronic-payment-on-baly-become-a-trap-for-iraqi-users</loc>
    <lastmod>2026-07-17T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/prime-minister-reaffirms-economic-reform-agenda-will-iraqs-fintech-sector-be-part-of-the-reform</loc>
    <lastmod>2026-07-16T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/prime-minister-reaffirms-economic-reform-agenda-will-iraqs-fintech-sector-be-part-of-the-reform</loc>
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    <loc>https://ifntn.com/ku/article/prime-minister-reaffirms-economic-reform-agenda-will-iraqs-fintech-sector-be-part-of-the-reform</loc>
    <lastmod>2026-07-16T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/a-baghdad-merchants-confession-i-turn-off-the-pos-terminal-cash-is-safer-and-my-money-takes-too-long-to-reach-my-bank-account</loc>
    <lastmod>2026-07-15T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/a-baghdad-merchants-confession-i-turn-off-the-pos-terminal-cash-is-safer-and-my-money-takes-too-long-to-reach-my-bank-account</loc>
    <lastmod>2026-07-15T00:00:00.000Z</lastmod>
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    <lastmod>2026-07-15T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/hello-give-me-the-code-how-iraqis-lose-their-money-in-a-single-phone-calland-where-are-the-fintech-companies</loc>
    <lastmod>2026-07-14T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/hello-give-me-the-code-how-iraqis-lose-their-money-in-a-single-phone-calland-where-are-the-fintech-companies</loc>
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    <lastmod>2026-07-14T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/retreat-or-strategic-maneuver-iraqs-central-bank-decision-to-allow-cash-dollar-withdrawals-raises-questions-over-the-countrys-digital-transformation-agenda</loc>
    <lastmod>2026-07-13T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/retreat-or-strategic-maneuver-iraqs-central-bank-decision-to-allow-cash-dollar-withdrawals-raises-questions-over-the-countrys-digital-transformation-agenda</loc>
    <lastmod>2026-07-13T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/retreat-or-strategic-maneuver-iraqs-central-bank-decision-to-allow-cash-dollar-withdrawals-raises-questions-over-the-countrys-digital-transformation-agenda</loc>
    <lastmod>2026-07-13T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/between-marketing-promises-and-software-reality-whats-behind-fibs-open-an-account-in-5-minutes-slogan</loc>
    <lastmod>2026-07-12T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/between-marketing-promises-and-software-reality-whats-behind-fibs-open-an-account-in-5-minutes-slogan</loc>
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    <lastmod>2026-07-12T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/the-digital-dollar-trap-how-payment-apps-are-eating-away-at-iraqis-money-through-hidden-exchange-costs</loc>
    <lastmod>2026-07-11T00:00:00.000Z</lastmod>
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    <lastmod>2026-07-11T00:00:00.000Z</lastmod>
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    <lastmod>2026-07-11T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/pay-first-complain-later-iraqs-electronic-electricity-bills-turn-into-a-digital-nightmare-during-the-scorching-july-heat</loc>
    <lastmod>2026-07-10T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/pay-first-complain-later-iraqs-electronic-electricity-bills-turn-into-a-digital-nightmare-during-the-scorching-july-heat</loc>
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    <loc>https://ifntn.com/ku/article/pay-first-complain-later-iraqs-electronic-electricity-bills-turn-into-a-digital-nightmare-during-the-scorching-july-heat</loc>
    <lastmod>2026-07-10T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/farewell-to-cash-iraqi-government-institutions-complete-their-first-year-of-comprehensive-digital-transformation</loc>
    <lastmod>2026-07-09T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/farewell-to-cash-iraqi-government-institutions-complete-their-first-year-of-comprehensive-digital-transformation</loc>
    <lastmod>2026-07-09T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/farewell-to-cash-iraqi-government-institutions-complete-their-first-year-of-comprehensive-digital-transformation</loc>
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    <loc>https://ifntn.com/ar/article/how-does-electronic-payment-change-the-flow-of-money-in-the-iraqi-market</loc>
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    <loc>https://ifntn.com/ar/article/is-launching-a-new-fintech-service-enough-or-is-the-real-challenge-getting-people-to-use-it</loc>
    <lastmod>2026-07-06T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/is-launching-a-new-fintech-service-enough-or-is-the-real-challenge-getting-people-to-use-it</loc>
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    <loc>https://ifntn.com/ar/article/are-electronic-wallets-still-enough-or-is-iraq-ready-for-the-next-stage</loc>
    <lastmod>2026-07-05T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/are-electronic-wallets-still-enough-or-is-iraq-ready-for-the-next-stage</loc>
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    <loc>https://ifntn.com/ku/article/are-electronic-wallets-still-enough-or-is-iraq-ready-for-the-next-stage</loc>
    <lastmod>2026-07-05T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/can-iraq-export-a-fintech-company-to-the-world</loc>
    <lastmod>2026-07-03T12:33:43.594Z</lastmod>
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    <loc>https://ifntn.com/en/article/can-iraq-export-a-fintech-company-to-the-world</loc>
    <lastmod>2026-07-03T12:33:43.594Z</lastmod>
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    <loc>https://ifntn.com/ku/article/can-iraq-export-a-fintech-company-to-the-world</loc>
    <lastmod>2026-07-03T12:33:43.594Z</lastmod>
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    <loc>https://ifntn.com/ar/article/is-iraq-really-five-years-behind-in-digital-payments</loc>
    <lastmod>2026-07-02T12:32:39.345Z</lastmod>
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    <loc>https://ifntn.com/en/article/is-iraq-really-five-years-behind-in-digital-payments</loc>
    <lastmod>2026-07-02T12:32:39.345Z</lastmod>
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    <loc>https://ifntn.com/ku/article/is-iraq-really-five-years-behind-in-digital-payments</loc>
    <lastmod>2026-07-02T12:32:39.345Z</lastmod>
  </url>
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    <loc>https://ifntn.com/ar/article/why-dont-iraqi-fintech-companies-publish-their-numbers</loc>
    <lastmod>2026-07-01T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/why-dont-iraqi-fintech-companies-publish-their-numbers</loc>
    <lastmod>2026-07-01T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/why-dont-iraqi-fintech-companies-publish-their-numbers</loc>
    <lastmod>2026-07-01T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ar/article/from-the-inside-the-journey-of-qi-card-from-a-payment-card-to-a-digital-financial-platform</loc>
    <lastmod>2026-06-30T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/from-the-inside-the-journey-of-qi-card-from-a-payment-card-to-a-digital-financial-platform</loc>
    <lastmod>2026-06-30T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/from-the-inside-the-journey-of-qi-card-from-a-payment-card-to-a-digital-financial-platform</loc>
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