Fadi Hassan Jaber, Mohanad Hameed Yasir
The research aims to identify the most important challenges and obstacles to achieving an advanced level of financial inclusion (FI) in Iraq and to diagnose these challenges. Global financial indicators have been relied on to diagnose and how to achieve progress in the level of FI in Iraq and also to diagnose which indicator is more important than the rest of the indicators based on analysis and opinions Many academics interested in financial affairs, numbering 130, that the research and using the method of quantitative and qualitative analysis and testing the basic hypothesis, many discussions and recommendations were reached that help in how to face difficulties and work as soon as possible to raise the level of inclusiveness next in Iraq. The study explain barriers and prospects that effect in FI and dissection the vital role of FI in Iraqi financial environment and the international interest in the development of FI. The research concentrate on the current situation of FI in Iraq and what is the procedures to develop it. The researcher use a sample of experts, managers and academics to clarify the capabilities of financial institutions in Iraq to fulfilment FI, The study has reached conclusions regarding the importance of changing financial regulation, review financial slack, enhancing financial education, deploy financial culture and depending on financial innovation. The study set of recommendations, the most important of which is the establishment of a specialized center for FI as important tool to develop our country and training of financial human resources, which helps in building innovation ideas and be the basis for creating FI and Avoid problems that happen to be achieved.