Cash is still regarded as the most popular means of payment in Iraq, and banks suffer due to customers' disinterest in using the official banking system. This is attributed to several issues such as a lack of trust, political instability, a lack of laws safeguarding end users' rights, and a lack of savings culture. The state-owned banks control most of the banking industry in Iraq, both in terms of total deposits and total credit in the economy. The literature on information systems (IS) offers significant research conducted in many nations that examines the variables influencing the stages of electronic payment (e-payment) service adoption or acceptability. Banks now use a multi-channel, electronically mediated approach to streamline financial transactions. The study uses the technology acceptance model (TAM) with security and trust factors as external variables. The TAM was selected because numerous studies have demonstrated its efficacy in analyzing user adoption of diverse technologies. The primary data gathered from 130 respondents to a consumer questionnaire. The study passed the validity test. The test results demonstrate that the introduction of e-payments has a favorable and significant impact on customers' intention to continue using them.
Hammood et al. (2025) studied this question.