The role of electronic payment methods in generating economic and development opportunities / regional approaches and national challenges until the year 2021

Abstract

       The research dealt with a conceptual presentation of electronic payment technology and its means , with an explanation of the justifications for the global shift towards this technology , its explanations , and the developmental and economic importance it carries , and its analysis , and then presented the development and economic opportunities resulting from the adoption of these technologies as a society and institutions in some countries of the Arab region that have succeeded in the shift towards digitization. The payments sector and its comparison with Iraq until the year (2021) , arriving at diagnosing and analyzing the challenges that stand before Iraq in the process of digital transformation in electronic payment methods. The research reached a set of conclusions , the most important of which was that the Iraqi authorities concerned with digital transformation should face there are existing challenges represented by three aspects. Challenges (cyber , technical , and psychological). The research also reached several recommendations , the most important of which is that to control the most important national challenge facing this transformation , which is the security of personal information , the matter requires the Ministry of Higher Education and Scientific Research to expand the creation of departments (for cybersecurity). Universities with technological and engineering specializations in all governorates will work to prepare national human resources specialized in this field.