Cover
Volume 7, Issue Speical 7 (2026)

Published: November 5, 2026

Pages: 227-251

Research Article

The role of digital financial inclusion in reducing financial exclusion in Iraq

Mohammed H. K. Al-Juboury 1 Yassin N. A. Al-Sultany 2
1Department of Economics, College of Administration and Economics, University of Karbala, Karbala,
2Department of Information Systems Management, college of Business Informatics, University of Information Technology and Communications, Baghdad, Iraq
History
  • Received: August 15, 2026
  • Available Online: November 5, 2026
DOI

https://doi.org/10.56967/ejfb20261029

Abstract

This research aims to clarify the theoretical framework of the concepts of digital financial inclusion and financial exclusion, explaining their main causes and analyzing the role of digital financial inclusion in reducing financial exclusion. Digital financial inclusion is one of the most important pillars contributing to economic development. The importance of this research stems from the significance of studying financial exclusion in modern economic literature, as it addresses a crucial aspect of Iraqi society that exacerbates poverty and deprivation. The research highlights the role of digital financial inclusion in mitigating and addressing this issue. It is based on the hypothesis that digital financial inclusion significantly contributes to reducing financial exclusion by bringing financial services closer to those excluded in remote areas and integrating them into the formal financial system. The research concludes that digital financial inclusion provides financial services in a digital format suitable for the needs of poor and marginalized groups, especially in remote and rural areas. It recommends developing a strategic plan with a specific timeframe, implemented in phases, to achieve a high level of digital financial inclusion in remote areas, supported by sufficient financial resources and an appropriate legal framework.

Keywords

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