نظام الدفع و التحصيل الالكتروني لنفقات الدولة و إيراداتها

الملخص EN

The modern age is witnessing a development in the field of information and communication technology.

Many modern technological means have emerged, including the electronic payment and collection system, which means that the state collects its revenues or directs the spending electronically, and this system is one of the protected systems as it is linked to the policy of the central bank, which in turn grants licenses to banks And its branches, as well as financial institutions and companies through authorizing them to issue electronic credit cards, and this is achieved through a contract between the central bank and the service provider on the one hand, and the service provider and customer on the other side.

In Iraq, the electronic money services system No.

3 of 2014 was issued, which organized the electronic collection and payment process, and its terms and conditions, mechanisms of operation, and procedures resulting from the service provider breaching its contractual obligations.

Informatics, which are considered legislative development in the field of electronic collection and payment.

The electronic payment and collection system achieves many advantages through ease of dealing and trust, in addition to keeping the money from being stolen and lost when working, especially if it is large sums, in addition to that it generates revenue for the state through the commission that is deducted when paying or collecting, as well It puts an end to the manifestations of corruption and commissions that are deducted or paid for the purpose of completing or completing transactions or silencing violations.

However, this system is still in its first steps and needs many treatments, whether at the technical and technical level or at the legal and legislative level, as well as in the field of developing the work of technical agencies, in addition to the need for the central bank to tighten its control over the work of banks and financial institutions and take measures Strict against violators, and for the benefits that this system brings together, this experience must be generalized and all ministries and entities not associated with the Ministry and private sector companies are obligated to deal through the issuance of electronic credit cards, and spread awareness and culture of electronic dealings to keep pace with technical development and Technological and legal developed countries.