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E-ISSN : 2249 - 4642 | P-ISSN: 2454 - 4671



The Effect of the Electronic Payment System on Saving in Iraq for the period from 2011 - 2019

Dr. Azhar Hassan Ali Abu Nayla, Doaa Nassif Jassim Al-Taie

Volume: 13 Issue: 1 2023


This study dealt with the effects of electronic payment systems on savings, and aimed to show the impact of two independent variables: (amounts transferred according to the electronic clearing system EC) The amounts transferred in accordance with the total settlement systems on the dependent variable saving S for the period (2011-2019( and the standard model was estimated according to the autoregressive methodology of distributed deceleration. ARDL, and it was found according to the limits test for joint integration that there is a joint integration relationship for the estimated model, so the analysis was done in the short and long terms, and that the estimated model was free from standard problems and that its residues were stable and that they are distributed naturally, and the most important results of the study were, that the relationship of the total settlement system. With savings, it was negative in the short and long terms, while the relationship of the electronic clearing system was positive in the short and long terms. The study came up with recommendations, the most important of which was working to expand the area of electronic payment through electronic cards as well as through the mobile phone, and taking the necessary measures to work on increasing bank branches Civil and governmental institutions in all governorates, in order to increase the percentage of banking density, prepare special programs and develop appropriate plans to increase banking awareness among the Iraqi society.

DOI: http://doi.org/10.37648/ijrssh.v13i01.026

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