💸 “Still Stuck on Cash?” – Kurdistan’s Digital Finance Shift Hits a Wall 🚧

 💸 “Still Stuck on Cash?” – Kurdistan’s Digital Finance Shift Hits a Wall 🚧

🔍 Key Highlights – Sept 4, 2025

Source: Baghdad Today (Full Article)

📉 Less than 20% of financial transactions in Kurdistan are electronic, according to financial expert Othman Karim.

🏦 Most government departments still rely on manual transactions for taxes and invoices.

💳 Electronic card usage is mostly limited to large shopping malls —everyday use remains rare.

🚫 What's Holding Digital Progress Back?

1. 💵 Manual salary payments to employees still dominate.

2. 🏦 Lack of public trust in banks across the region.

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   🤖 Weak digital culture and resistance to adopting electronic finance systems.

🗣️ Karim stresses the urgent need for cultural and systemic changes to enable Kurdistan’s economic modernization.

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🧠 “Digital progress takes more than tech—it takes trust.”