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    <loc>https://ifntn.com/ar/article/central-bank-announces-electronic-payments-training-courses-in-august-but-is-training-really-enough</loc>
    <lastmod>2026-08-08T00:00:00.000Z</lastmod>
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        <news:name>Iraq Fintech Network</news:name>
        <news:language>ar</news:language>
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      <news:publication_date>2026-08-08T00:00:00.000Z</news:publication_date>
      <news:title>البنك المركزي يعلن عن دورات تدريبية بشأن الدفع الإلكتروني في أغسطس... هل التدريب كافٍ فعلاً؟</news:title>
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    <loc>https://ifntn.com/en/article/central-bank-announces-electronic-payments-training-courses-in-august-but-is-training-really-enough</loc>
    <lastmod>2026-08-08T00:00:00.000Z</lastmod>
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        <news:name>Iraq Fintech Network</news:name>
        <news:language>en</news:language>
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      <news:publication_date>2026-08-08T00:00:00.000Z</news:publication_date>
      <news:title>Central Bank Announces Electronic Payments Training Courses in August… But Is Training Really Enough?</news:title>
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    <loc>https://ifntn.com/ku/article/central-bank-announces-electronic-payments-training-courses-in-august-but-is-training-really-enough</loc>
    <lastmod>2026-08-08T00:00:00.000Z</lastmod>
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        <news:language>ku</news:language>
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      <news:publication_date>2026-08-08T00:00:00.000Z</news:publication_date>
      <news:title>بانکی ناوەندی خولی ڕاهێنان دەربارەی پارەدانی ئەلیکترۆنی لە مانگی ئابدا ڕادەگەیەنێت... ئایا ڕاهێنان بەڕاستی بەسە؟</news:title>
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    <loc>https://ifntn.com/ar/article/zaincash-expands-partnerships-with-local-platforms-so-why-arent-users-feeling-the-difference</loc>
    <lastmod>2026-08-07T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/zaincash-expands-partnerships-with-local-platforms-so-why-arent-users-feeling-the-difference</loc>
    <lastmod>2026-08-07T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/zaincash-expands-partnerships-with-local-platforms-so-why-arent-users-feeling-the-difference</loc>
    <lastmod>2026-08-07T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/fintech-and-economic-development-are-we-building-a-real-sector-or-patching-the-holes-in-the-old-financial-system</loc>
    <lastmod>2026-08-06T00:00:00.000Z</lastmod>
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    <lastmod>2026-08-06T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/regulation-and-legislation-does-the-central-bank-have-a-clear-vision-for-regulating-iraqs-fintech-sector</loc>
    <lastmod>2026-08-05T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/regulation-and-legislation-does-the-central-bank-have-a-clear-vision-for-regulating-iraqs-fintech-sector</loc>
    <lastmod>2026-08-05T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ku/article/regulation-and-legislation-does-the-central-bank-have-a-clear-vision-for-regulating-iraqs-fintech-sector</loc>
    <lastmod>2026-08-05T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/ar/article/gini-signs-strategic-partnership-with-jdcom-to-advance-e-commerce-and-digital-transformation-in-iraq</loc>
    <lastmod>2026-08-04T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/gini-signs-strategic-partnership-with-jdcom-to-advance-e-commerce-and-digital-transformation-in-iraq</loc>
    <lastmod>2026-08-04T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/gini-signs-strategic-partnership-with-jdcom-to-advance-e-commerce-and-digital-transformation-in-iraq</loc>
    <lastmod>2026-08-04T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ar/article/financial-inclusion-and-fintech-have-we-really-reached-underserved-communities-or-are-we-just-counting-numbers</loc>
    <lastmod>2026-08-03T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/en/article/financial-inclusion-and-fintech-have-we-really-reached-underserved-communities-or-are-we-just-counting-numbers</loc>
    <lastmod>2026-08-03T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ku/article/financial-inclusion-and-fintech-have-we-really-reached-underserved-communities-or-are-we-just-counting-numbers</loc>
    <lastmod>2026-08-03T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ar/article/fintech-investment-projects-in-iraq-between-market-realities-and-entrepreneurs-dreams</loc>
    <lastmod>2026-08-02T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/en/article/fintech-investment-projects-in-iraq-between-market-realities-and-entrepreneurs-dreams</loc>
    <lastmod>2026-08-02T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/fintech-investment-projects-in-iraq-between-market-realities-and-entrepreneurs-dreams</loc>
    <lastmod>2026-08-02T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ar/article/artificial-intelligence-in-iraqi-fintech-do-we-need-algorithms-that-understand-the-local-market-or-are-we-relying-on-western-models</loc>
    <lastmod>2026-08-01T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/artificial-intelligence-in-iraqi-fintech-do-we-need-algorithms-that-understand-the-local-market-or-are-we-relying-on-western-models</loc>
    <lastmod>2026-08-01T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/artificial-intelligence-in-iraqi-fintech-do-we-need-algorithms-that-understand-the-local-market-or-are-we-relying-on-western-models</loc>
    <lastmod>2026-08-01T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ar/article/e-commerce-and-the-one-stop-market-are-traditional-stores-saying-goodbye-to-buying-and-selling-in-iraq</loc>
    <lastmod>2026-07-31T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/e-commerce-and-the-one-stop-market-are-traditional-stores-saying-goodbye-to-buying-and-selling-in-iraq</loc>
    <lastmod>2026-07-31T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/e-commerce-and-the-one-stop-market-are-traditional-stores-saying-goodbye-to-buying-and-selling-in-iraq</loc>
    <lastmod>2026-07-31T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/ar/article/cybersecurity-in-iraqi-fintech-applications-are-we-testing-security-at-the-expense-of-citizens-accounts</loc>
    <lastmod>2026-07-30T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/cybersecurity-in-iraqi-fintech-applications-are-we-testing-security-at-the-expense-of-citizens-accounts</loc>
    <lastmod>2026-07-30T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ku/article/cybersecurity-in-iraqi-fintech-applications-are-we-testing-security-at-the-expense-of-citizens-accounts</loc>
    <lastmod>2026-07-30T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ar/article/fintech-dream-jobs-is-the-recruitment-of-iraqi-talent-real-or-just-false-advertising</loc>
    <lastmod>2026-07-29T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/en/article/fintech-dream-jobs-is-the-recruitment-of-iraqi-talent-real-or-just-false-advertising</loc>
    <lastmod>2026-07-29T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ku/article/fintech-dream-jobs-is-the-recruitment-of-iraqi-talent-real-or-just-false-advertising</loc>
    <lastmod>2026-07-29T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ar/article/digital-wallets-are-spreading-but-trust-is-eroding-why-are-iraqis-turning-away-from-electronic-payments</loc>
    <lastmod>2026-07-28T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/en/article/digital-wallets-are-spreading-but-trust-is-eroding-why-are-iraqis-turning-away-from-electronic-payments</loc>
    <lastmod>2026-07-28T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ku/article/digital-wallets-are-spreading-but-trust-is-eroding-why-are-iraqis-turning-away-from-electronic-payments</loc>
    <lastmod>2026-07-28T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ar/article/central-bank-digital-currency-a-real-solution-to-the-financial-crisis-or-merely-a-fig-leaf</loc>
    <lastmod>2026-07-27T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/central-bank-digital-currency-a-real-solution-to-the-financial-crisis-or-merely-a-fig-leaf</loc>
    <lastmod>2026-07-27T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/article/central-bank-digital-currency-a-real-solution-to-the-financial-crisis-or-merely-a-fig-leaf</loc>
    <lastmod>2026-07-27T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/ar/article/millions-on-screen-nothing-in-reality-are-iraqs-investment-shows-fueling-real-innovation-or-media-hype</loc>
    <lastmod>2026-07-26T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/millions-on-screen-nothing-in-reality-are-iraqs-investment-shows-fueling-real-innovation-or-media-hype</loc>
    <lastmod>2026-07-26T00:00:00.000Z</lastmod>
  </url>
  <url>
    <loc>https://ifntn.com/ku/article/millions-on-screen-nothing-in-reality-are-iraqs-investment-shows-fueling-real-innovation-or-media-hype</loc>
    <lastmod>2026-07-26T00:00:00.000Z</lastmod>
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  <url>
    <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>2026-07-25T00:00:00.000Z</lastmod>
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    <loc>https://ifntn.com/ku/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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    <loc>https://ifntn.com/ar/article/artificial-intelligence-in-iraqs-fintech-sector-a-guardian-of-our-money-or-an-eye-watching-every-financial-move</loc>
    <lastmod>2026-07-24T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/en/article/artificial-intelligence-in-iraqs-fintech-sector-a-guardian-of-our-money-or-an-eye-watching-every-financial-move</loc>
    <lastmod>2026-07-24T00:00:00.000Z</lastmod>
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  <url>
    <loc>https://ifntn.com/ku/article/artificial-intelligence-in-iraqs-fintech-sector-a-guardian-of-our-money-or-an-eye-watching-every-financial-move</loc>
    <lastmod>2026-07-24T00:00:00.000Z</lastmod>
  </url>
  <url>
    <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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  <url>
    <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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  <url>
    <loc>https://ifntn.com/ku/article/social-commerce-in-iraq-are-tiktok-and-facebook-algorithms-swallowing-traditional-markets</loc>
    <lastmod>2026-07-23T00:00:00.000Z</lastmod>
  </url>
  <url>
    <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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    <loc>https://ifntn.com/en/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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    <loc>https://ifntn.com/ku/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>2026-07-21T00:00:00.000Z</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>
  </url>
  <url>
    <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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  <url>
    <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>
  </url>
  <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>
  </url>
  <url>
    <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>
  </url>
  <url>
    <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>
  </url>
  <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>
  </url>
  <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>
  </url>
  <url>
    <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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