دور إصدار العملات الرقمية للبنك المركزي في تقليص اقتصاد النقد في العراق: دراسة استكشافية للجدوى المتوقعة في البيئة المالية العراقية

 Adrian, T., & Mancini-Griffoli, T. (2021). A new era of digital money. International Monetary Fund. https://www.imf.org/external/pubs/ft/fandd/2021/06/online/digital-money-new-era-adrian-mancini-griffoli.htm

 Al-Hchemi, L. H. (2025). Central Bank Digital Currencies: The future of monetary systems in Iraq. Iraqi Journal of Economic Sciences, 23(85), 195–210.

 Armey, L. E., Lipow, J., & Webb, N. J. (2014). The impact of electronic payments on economic efficiency. Journal of Economic Studies, 41(3), 345–356. https://doi.org/10.1108/JES-09-2012-0113

 Auer, R., Boar, C., & Frost, J. (2023). Central bank digital currencies: motives, economic implications, and research frontiers. Journal of Economic Perspectives, 37(4), 3–26. Auer, R., Frost, J., Gambacorta, L., Monnet, C., Rice, T., & Shin, H. S. (2022). Central bank digital currencies: Motivations, economic implications and the research frontier (BIS Working Papers No. 976). Bank for International Settlements.

https://www.bis.org/publ/work976.htm

 Bank for International Settlements [BIS]. (2020). Impending arrival – A sequel to the survey on central bank digital currency (BIS Papers No. 107). https://www.bis.org/publ/bppdf/bispap107.pdf

 Bank for International Settlements [BIS]. (2021). Ready, steady, go? Results of the third BIS survey on central bank digital currency (BIS Papers No. 114). Retrieved from https://www.bis.org/publ/bppdf/bispap114.pdf

 Boar, C., & Wehrli, A. (2021). Ready, steady, go? Results of the third BIS survey on central bank digital currency. BIS Papers No. 114.

 Böhme, R., Christin, N., Edelman, B., & Moore, T. (2015). Bitcoin: Economics, technology, and governance. Journal of Economic Perspectives, 29(2), 213–238. https://doi.org/10.1257/jep.29.2.213

 Central Bank of Iraq. (2023). Annual report 2023: Developments in monetary policy and digital transformation. Baghdad: CBI .

 Khiaonarong, T., & Humphrey, D. (2022). Falling use of cash and demand for retail central bank digital currency (IMF Working Paper No. 22/27). International Monetary Fund. Retrieved from https://www.imf.org/en/Publications/WP/Issues/2022/02/25/Falling-Use-of-Cash-and-Demand-for-Retail-CBDC-513928

 Kiff, J., Alwazir, J., & Davidovic, S. (2022). Central bank digital currencies and financial stability. IMF Working Paper No. 22/25.

 Ong, H. B. (2022). Impact of cashless payments on internet and mobile banking services. Financial Innovation, 8(1), 1–20. https://pmc.ncbi.nlm.nih.gov/articles/PMC8897554/

 Rogoff, K. (2016). The curse of cash. Princeton University Press.

 Schneider, F., & Williams, C. C. (2013). The shadow economy. Institute of Economic Affairs.

 Shrestha, S. (2024). Moving from cash to cashless economy: Factors affecting digitalization in Nepal. Nepal Journal of Management, 7(1), 45–62. https://www.nepjol.info/index.php/njm/article/download/68830/52619/201242

 Srivastava, A., & Řežábek, P. (2022). Impact of digital payments on the economic growth of a country: A case of the Czech Republic. International Journal of Economic Studies, 10(2), 51–65. https://ijes-journal.org/journal/article/download/51/49/168

 • Auer, R., Frost, J., Gambacorta, L., Monnet, C., Rice, T., & Shin, H. S. (2021). Central bank digital currencies: Motives, economic implications and the research frontier (BIS Working Paper No. 976). Bank for International Settlements. Retrieved from https://www.bis.org/publ/work976.htm بنك التسويات الدولية+1

 l Monetary Fund. Retrieved from https://www.imf.org/external/pubs/ft/fandd/2021/06/online/digital-money-new-era-adrian-mancini-griffoli.htm IMF

 • Organisation for Economic Co-operation and Development. (2023). Central bank digital currencies (CBDCs) and democratic values. OECD Publishing. https://doi.org/10.1787/f3e70f1f-en oecd.org

 • Reserve Bank of Australia. (2023). Explainer: Cryptocurrencies. Retrieved from https://www.rba.gov.au/education/resources/explainers/cryptocurrencies.html rba.gov.au

 Central Bank of Nigeria. (2022). e-Naira design paper. Central Bank of Nigeria.

 Reserve Bank of India. (2023). Central Bank Digital Currency (CBDC): Concept note. Reserve Bank of India.

 Bank for International Settlements. (2021). Central bank digital currencies: Foundational principles and core features. BIS.

 سارة محمود عبد العزيز (2022)، دور الموبايل البنكي في تعزيز مستوى ثقة العملاء في الخدمات البنكية الإلكترونية، مجلة بحوث الإعلام – جامعة حلوان.

 (صابر، محمد عبد الحليم، 2023). المجلة: مجلة اسكندرية للبحوث الإدارية ونظم المعلومات. الرابط: https://journals.ekb.eg/article_317550_9247ff3863c8e478f4f005bd2c00cdc6.pdf

 العلي، علي حميد هندي، والعبيدي، شهاب زيد كامل (2024). «دور التكنولوجيا المالية في تعزيز الشمول المالي: دراسة تحليلية للقطاع المصرفي العراقي للمدة 2017-2022». مجلة الغري للعلوم الاقتصادية والإدارية، المجلد 20(00)، الصفحات 2233-2258. https://journal.uokufa.edu.iq/index.php/ghjec/article/view/17121

 الوائلي، م. د. رؤى نصير كاظم (2024). «قياس أثر بعض المتغيرات الاقتصادية الكلية على استقرار الطلب على النقود في العراق للمدة من 2004-2021». مجلة الكوت للعلوم الاقتصادية والإدارية، 16(51)، 681-704. https://kjeas.uowasit.edu.iq/index.php/kjeas/article/view/786 kjeas.uowasit.edu.iq