Sadiq Tomma Khalaf, Hendren Hassan Hussein, Bushra Ashour Hachim
The shift to the non-monetary economy is not a personal desire of the researcher, but rather an imperative necessity that will be imposed by the economic reality and global economic changes, especially after the Covid-19 crisis that the world is exposed to. This imperative is not optional. Either it joins the development of the transition to the cash economy or it remains backward. For this reason, the Central Bank of Iraq takes measures in this regard to develop electronic payment methods and join the world of inevitable transformation.