iarjtbmIARJTBMIARJTBM2789-6021https://doi.org/10.47310/iarjtbm.2025.v05i02.002Analysis of the Development of Electronic Payment Methods and Their Impact on Banking Liquidity in Iraq for the Period 2017-2023HaqiAmeenTomasAL-Furat AL-Awsat Technical University, AL-Najaf , IraqModern electronic payment methods, especially in developed countries, contribute to providing banking liquidity for banks due to individuals and companies not holding cash and the reduced currency in circulation, which has prompted most developing countries to follow the lead of developed countries, including Iraq. The study included three sections: the first part addressed electronic payment methods and the concept and importance of banking liquidity, while the second part discussed the development of electronic payment systems (gross settlement system, electronic clearing system, electronic clearing system). The third part included the most important conclusions and recommendations reached by the study.