The Role of Digital Wallet Providers in Enhancing Financial Inclusion: An Analytical Study of the Iraqi Experience

The study aimed to demonstrate the impact of digital wallets on enhancing financial inclusion variables (number of bank accounts, payment cards, ATMs, and POS devices). Data published on the Central Bank of Iraq's statistical website was used, along with SPSS and Excel, to demonstrate the relationship results. The results showed positive regression coefficients in all models. The study concluded that increased payments via digital wallets are associated with an increase in bank accounts, cards, points of sale, and ATMs. This is a direct indication that the spread of digital wallets is not limited to digital transformation, but rather plays an effective role in advancing financial inclusion.