ABCI Iraq 2035
Expanding meaningful financial participation through payments, banking, credit, insurance and fintech.
ABCI analytical perspective. Milestones and structural directions below are research propositions, not official forecasts or commitments.
Financial participation matters when people and businesses can use suitable services reliably. Payments, saving, credit and insurance should be assessed through actual usage, affordability and outcomes as well as access.
The Central Bank of Iraq reported financial inclusion of 40% in February 2025. The National Financial Inclusion Strategy covers 2025–2029. Its period is a strategy reference, not evidence for an additional numeric target.
Account ownership does not establish regular use or access to appropriate credit and protection. Active financial-account usage and insurance penetration are priority data gaps, particularly for understanding participation beyond registration.
Assess payment interoperability, service reliability, consumer protection, business records and risk-based financing. Research should distinguish the needs of households, microbusinesses and established SMEs.
By 2030, examine whether wider access translates into active usage, dependable payments and appropriate finance for productive activity. Compare like-for-like definitions over time and assess strategy implementation separately from aspirations.
Wider meaningful financial participation through active use, appropriate services and stronger trust. A quantified 2035 inclusion scenario is withheld until a compatible baseline and model are available.
Statement: February 2025 · survey period not stated
40% stated by the Central Bank on 26 February 2025. The announcement does not define the measured population, instrument coverage or survey period; comparisons require a consistent definition.
2025–2029
Implementation period of the national strategy. This entry is policy context, not a numerical inclusion target or an achieved result.
2035
ABCI Research Direction — not an official government target.
Qualitative research proposition. No quantified 2035 scenario is published until a consistent baseline, assumptions and reproducible calculation have been reviewed. See the pillar measurement plan for definitions, collection needs and limitations.
SOURCE REGISTER
The register identifies each linked publication or data series. Indicator cards retain measurement periods and definitions. An absent publication or check date is shown explicitly; the edition date is not a substitute.
Linked publication / page; edition number not stated
Published: 2025-02-26
Independent check: 2026-09-30
Linked publication / page; edition number not stated
Published: 2025-05-25
Independent check: 2026-09-30
ABCI · BAGHDAD, IRAQ
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