الاقتصاد الرقمي وفرص إنعاش الاقتصاد العراقي

Abstract

Despite the significant opportunities offered by digital transformation, Iraq’s financial sector faces numerous challenges. The most prominent of these include weak digital infrastructure, low awareness of digital transformation, and a shortage of legislation regulating this field. In addition, a lack of trust in digital transactions constitutes one of the main obstacles limiting the growth of this sector. The study’s objectives comprise the following pathways:

1. Defining the concept of the digital economy and its importance in the era of modern technology.


2. Examining the opportunities available to Iraq through the transition to a digital economy, with a focus on sectors that can benefit from such transformations, such as e-commerce, digital financial services, and e-learning.


3. Analyzing the challenges Iraq may encounter in implementing the digital economy—such as infrastructure limitations, a lack of digital skills, and security issues—and exploring the role of government and the private sector in supporting digital transformation and providing an enabling environment for digital growth.

With regard to research methodology, the comparative approach will be employed by conducting a comparison between Iraq and several countries that have undergone successful transitions toward the digital economy. The study concludes that digital transformation represents a strategic opportunity to advance the Iraqi economy, as it contributes to enhancing productivity, improving service quality, and reducing operating costs. The recommendations focus on improving digital infrastructure through investment in high-speed internet networks and modern technologies; strengthening legislation and laws regulating e-commerce and ensuring consumer protection; and increasing digital awareness through education and training to encourage individuals and firms to adopt digital solutions.