الجامعة المستنصرية / كلية الادارة والاقتصاد

Abstract

The recent technological developments and innovations that have taken place at the international level have led to a revolution in the world of information and communications, and this is one of the most important features of the modern era that affected society and individuals began to deal on its basis because it harnesses modern technologies to give individuals new options that reduce time and effort and reduce the cost, and thus what I produce This development affected various economic, legal, social and cultural sectors, and since the banking sector is one of the most important economic sectors, therefore,it was affected by this development and this appeared through the development of traditional payment methods and their conversion to electronic payment methods. The Iraqi banking sector has witnessed, after the year 2003, an openness to the outside world through the use of modern banking technologies in providing services to customers in order to keep abreast of developments and developments in the international banking sector. Thus, Iraqi banks have sought to develop their services through the use of information technologies and the application of electronic payment systems and means in order to diversify the banking services it provides and to create new services as well as to increase the spread of banking services in addition to increasing the efficiency and effectiveness of banking work and increasing its profits, Thus, the research section was divided into three sections, as the first topic dealt with the nature and types of electronic payment methods. As for the second topic, it touched on the main components of the project to develop and modernize the payment system in Iraq. In the third topic, the factors affecting the spread of electronic payment methods in Iraq were discussed.