Wednesday, September 10, 2025

Unbanked No More: How Digital Banks Empower Millions in Iraq

Digital banks and financial inclusion

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Today, Iraq is witnessing the launch of a new era of banking services, shifting toward digital services in line with the global trend toward digitization and the abandonment of traditional services.
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This sound approach is not just about smart applications and digital platforms, but rather represents the launch of an ambitious vision for a more comprehensive and efficient financial future. The traditional banking sector has always been the cornerstone of economies, but for years it has been confined by walls of branches and long bureaucratic wires, which has prevented it from reaching broad segments of society. Obtaining a bank account or a simple loan is an arduous journey, especially in remote areas. Here, the... 

The importance of the real revolution of digital banks.

The technology has matured, becoming more secure and safe than ever before thanks to advanced encryption and biometrics. Consumer confidence has matured, as consumers have learned how to manage their daily affairs through their smartphones. More importantly, the urgent need to popularize the concept of the financial citizen, who has the right to save, invest, transfer, and finance with ease and transparency, has matured.

A digital bank, then, is not a luxury, but a strategic necessity. It is the bridge that will allow millions of the "unbanked" to cross into a world of economic opportunity that once seemed out of reach. It is the means by which the small shopkeeper, the woman working from home, the ambitious young man, and the elderly man in a remote village will be brought under the umbrella of the formal financial system. These are not just transactions; they are true empowerment.

Hence the importance of digital banks in achieving financial inclusion. 

Digital banks are distinguished by their absence of the huge operating costs of traditional branches. Digital banks can offer their services at highly competitive prices, lower fees, and higher returns on savings, benefiting all customers, especially those with limited income.

The launch of these banks is a clear message of confidence in our economy, our technological capabilities, and our future. It is a declaration that we believe in all our citizens and strive to provide every individual with the tools they need to be an effective part of the economic fabric.

This is not the end of banking as we know it. Rather, it is a new birth—smarter, faster, and closer to the pulse of the people. The financial future begins today, with the push of a button, the touch of a screen. Let us all be the ones who make it happen.

Today comes the Central Bank's step 

 The launch of e-wallets is a fundamental prerequisite and an important path to launching digital banks in Iraq. This approach forms part of a broader strategy for digital transformation in the Iraqi banking and financial sector. This step—and I mean the launch of the e-wallet—can be considered a

Preparing the digital infrastructure and developing the payment and financial transfer system in Iraq. These wallets serve as a technical and operational foundation for building integrated digital banking services.

• By enabling transfers between e-wallets and merchants, the Central Bank facilitates the transition to cashless transactions, a necessary step for digital banks that rely entirely on electronic services. This will contribute to enhancing digital financial literacy.

Having secure e-wallet systems in place also makes it easier for future digital banks to comply with regulatory standards without having to build systems from scratch. 

All these efforts coincide with the banking sector reform plan launched by the Central Bank, which focuses on enhancing financial inclusion and digital transformation.

 

The issue of internal revenue was referred to the State Council

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The Iraqi Council of Ministers has decided to send the issue of domestic revenue to the State Council, and on oil revenues, decided to market the amount of oil produced by Kurdistan through SOMO and 50,000 barrels of oil for domestic needs.

According to PUKMEDIA, the Iraqi Council of Ministers decided to send the issue of domestic revenue, ie non-oil revenue, to the State Council to be resolved there.

According to PUKMEDIA, the decision was taken to hand over all the oil produced by the Kurdistan Regional Government and oil companies to the Iraqi Oil Ministry and marketed by SOMO, while the amount of oil produced by the Kurdistan Regional Government.

If the issue of internal revenue is not resolved in the State Council or the Kurdistan Regional Government appeals the decision, it will be sent to the Federal Supreme Court.

 

The Kurdistan Region and Iraq have not reached an agreement and the salaries are delayed

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The Iraqi Council of Ministers has once again referred the fate of the Kurdistan Regional Government (KRG) salaries to the State Council, which will further delay the distribution of salaries.

According to preliminary information, the Iraqi Federal Council of Ministers has issued two decisions on the issue of oil and non-oil revenues of the Kurdistan Region.

The Iraqi Council of Ministers has decided to send the disputes over non-oil revenues to the State Council for resolution, while the Kurdistan Regional Government (KRG) was expecting the issue to be resolved in the Federal Court.

Regarding the resumption of oil exports, the Council of Ministers decided that the Kurdistan Regional Government will start handing over the available oil to the Iraqi Ministry of Oil (after deducting 50,000 barrels per day for domestic needs).

 

PUK Lawmakers Stress Urgency as Erbil-Baghdad Talks Reach Critical Stage

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KRG and Iraqi government's logo.

 

According to a decision by the Iraqi Prime Minister, Erbil and Baghdad have only a few hours left to reach an agreement on the resumption of oil exports and the transfer of non-oil revenues—issues that have long complicated relations between the two governments. The Patriotic Union of Kurdistan (PUK) lawmaker emphasises that the only viable solution to these challenges is an agreement between Erbil and Baghdad.

Karwan Yarwais, lawmaker of the PUK in the Iraqi Parliament, told PUKMEDIA: “The Iraqi Council of Ministers will meet tomorrow, which marks the deadline for an agreement between Erbil and Baghdad regarding the transfer of non-oil revenues and oil exports.”

He added: “A key reason for the disagreement is that the Kurdistan Regional Government (KRG) and the Iraqi federal government have different interpretations of non-oil revenues. The KRG believes it should hand over 50% of the federal non-oil revenues (budget generated by directorates run by the federal government within the Kurdistan Region), while the Iraqi government maintains that the Region should pay 50% of the total non-oil revenues to Iraq (meaning all directorate, including those run by the KRG). Articles 29 of the Financial Management Law and 11 and 12 of the Budget Law outline the procedures for how the Region should transfer non-oil revenues.”

Disputes Between Kurdistan Region and Baghdad Could Be Referred to Federal Court

The PUK lawmaker also stated that another aspect of the disagreement concerns oil exports. 

“The issue the companies involved, which previously held contracts with the Kurdistan Region and are now requesting new agreements with both Baghdad and the Kurdistan Region,” he said. “Under mounting pressure, Iraq has agreed to proceed. What remains now is finalising the structure of the agreement and drafting its terms.”

He added: “We hope the issues between the Kurdistan Region and Baghdad will be resolved by tomorrow. If not, they will be referred to the Iraqi Federal Court, which would negatively affect the people of the Kurdistan Region, as the process is lengthy and involves its own procedures.”

Dr Narmin Maruf: Talks Between Kurdistan Region and Baghdad Show Good Progress

Dr Narmin Maruf, PUK lawmaker and a member of the Finance Committee of the Iraqi Parliament, said: “The talks between the KRG and Baghdad on financial matters and oil issues have made good progress. Once their work is complete, a report will be submitted to Prime Minister Mohammed Shia' Al Sudani, after which it will be discussed in a meeting.”

She added that there is some sort of understanding between the KRG, Baghdad, and the oil companies to reach an agreement that will allow the resumption of oil exports and resolve the financial issues.

Iraqi Prime Minister previously gave 72-hour deadline to both the KRG and the federal government to reach an agreement, with the deadline ending on Tuesday.

PM Sudani also said  that the June salaries will be the last to be transferred to the KRG without an agreement.

The disputes between Baghdad and Erbil have persisted for  years, with no agreement reached between the two sides. This ongoing deadlock has had direct consequences for public sector salaries in the Kurdistan Region.

In the past eight months, the federal government has transferred funds for only six salary payments, while the fate of two additional payments unresolved.

 

Masrour Barzani: We emphasize the need to resolve the salary issue as soon as possible

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Masrour Barzani, the Kurdistan Regional Government (KRG) President, has said that the Kurdistan Regional Government (KRG) has no problem with the resumption of oil exports.

"We have repeated this several times and each time we have emphasized our hope that the salary problems will be resolved as soon as possible, but we always see a new problem emerging from the federal government," Barzani told reporters.

“We have always tried to solve these challenges ourselves, because what is very important to us is the happiness, security and stability of the Kurdish people and the continued economic development of the region.

"Our delegations are currently conducting continuous negotiations with the federal government regarding non-oil revenues, we are close to reaching the final stage of the agreement," Barzani said.

“The Kurdistan Regional Government no longer has problems with the producing companies and the federal government regarding the resumption of oil exports,” he said.

“What remains is a point of disagreement between the companies and the federal government, because now the companies are demanding guarantees that they will continue to receive their financial claims fairly,” Barzani said.

Masrour Barzani's remarks on Kurdistan's salaries and oil

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Although Baghdad and Erbil have been trying to resume oil exports for more than two years, the agreement has not been implemented every time.

According to the investigations of 7 days, the oil companies are the main obstacle to the implementation of the agreements made so far in such a way that they consider themselves as the owners of the oil in the Kurdistan Region.

According to 7days, most of the companies were established by senior officials of the PUK and KDP and have accommodated a number of foreign investors to appear as foreign companies.

These companies have now become an obstacle to the export of Kurdistan oil through SOMO, which is the main reason for the delay in the salaries of the employees of the region.

Meanwhile, Kurdistan Regional Government (KRG) Prime Minister Masrour Barzani said that the Kurdistan Regional Government (KRG) has always tried to resolve these issues

independently They are in ongoing talks with the federal government delegation. On non-oil revenues, we have almost reached the final stage of understanding. The Kurdistan Region has no problems with oil exports. What remains is a point between the companies and the federal government. Companies are now seeking guarantees to continue to meet their financial entitlements."

Masrour Barzani: We are close to a final understanding with Baghdad regarding non-oil revenues.

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Kurdistan Regional Government Prime Minister Masrour Barzani indicated on Tuesday (September 9, 2025) that talks with the federal government regarding non-oil revenues have reached their final stages, stressing that there is hope for reaching solutions soon despite repeated obstacles.

"We hope to reach solutions to the outstanding issues as soon as possible, but we always face new obstacles from the federal government," Barzani said in a statement to Kurdish media outlets, followed by "Baghdad Today," during the opening of the investment exhibition in Erbil. "For our part, we have always tried to be patient in finding solutions, because what matters most to us is the comfort and happiness of the citizens of the Kurdistan Region."

He added, "We are currently in ongoing talks with the federal government. We have reached the final stage of an agreement on non-oil revenues. As for oil exports, the Kurdistan Region has no issues with the production companies or the federal government. It is a point of contention between the companies and the federal government. The companies are now requesting guarantees to continue fulfilling their financial dues."

Non-oil revenues have been a major bone of contention between Baghdad and Erbil for years. The federal government is demanding that the region's non-oil revenues (border crossings, taxes, and customs) be subject to a unified system to ensure financial fairness, while the region insists on its own financial management.

The federal government had stipulated in the three-year budget law (2023-2025) that the region hand over all of its non-oil revenues to the central treasury in exchange for a guaranteed 12.6% share of the budget, which generated repeated tensions due to mutual accusations of non-compliance.

Regarding the oil issue, the region's oil exports via Turkey have been halted since March 2023 by an international court ruling. This has inflicted significant financial losses on the region and opened a new chapter in the dispute over the mechanism for settling the dues of oil companies operating in Kurdistan.


Revenues and pensioners' salaries will be on the agenda when three Finance Committee officials meet tomorrow.

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Revenues and pensioners' salaries will be on the agenda when three Finance Committee officials meet tomorrow.

The Parliamentary Finance Committee confirmed on Tuesday that it had discussed Iraq's 2025 revenues and retiree salaries with three government officials.
Committee member Moeen Al-Kadhimi told the Iraqi News Agency (INA): "The Finance Committee has set tomorrow, Wednesday, as the date to host the Ministers of Planning and Finance and the Governor of the Central Bank to discuss the reasons for the delay in disbursing retirees' salaries," noting "the need to address this issue to ensure it does not recur."
 
He added, "The meeting will also discuss Iraq's revenues for 2025, the expenditures required until the end of the current year, and the allocations for regional development for the governorates, in addition to discussing the Kurdistan Region and the latest developments in the negotiations."
 
Last Sunday (September 7, 2025), the Finance Committee of the House of Representatives hosted the Chairman of the National Retirement Authority, Maher Hussein, Chairman of the Retirement Fund, to discuss the issue of retirees' salaries and disbursement mechanisms.
At the conclusion of the meeting, the Finance Committee decided to host the Ministers of Planning and Finance, the Governor of the Central Bank, and relevant departments to follow up on the pension issue and develop the necessary solutions to ensure the regular disbursement of salaries.


Economist: The Financial Management Law allows for the adoption of 2025 expenditure data and the preparation of the 2026 budget.

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Economic expert Salah Nouri confirmed, today, Tuesday, that the Financial Management Law No. (6) of 2019 has addressed the issue of approving the budget in its special chapter, indicating that Article (13/First) stipulated spending at a rate of (1/12) or less of the total actual expenditures for current expenditures for the previous year after excluding non-recurring expenditures on a monthly basis.

Nouri added in his statement to {Euphrates News} Agency that “Article (13/Third) of the same law clarified that if the approval of the draft federal general budget law for a specific fiscal year is delayed, the final financial statements for the previous fiscal year shall be considered the basis for that year.” 

The economic expert pointed out that, "according to these texts, it is possible to spend 1/12 of the actual expenditures for the year 2026 for the year 2025, indicating that this allows the Ministry of Finance to prepare the 2026 budget based on the actual financial data for the year 2025." 


The Governor of Najaf discusses cooperation between the local government and the Central Bank with the Governor of the Central Bank.

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The Governor of Najaf, Youssef Gnawi, discussed today, Tuesday, with the Governor of the Central Bank of Iraq, Ali Al-Alaq, the cooperation between the local government and the bank.

A statement by the media office of the Governor of Najaf said: "The meeting discussed ways of cooperation between the local government and the Central Bank, which would positively reflect on the reality of the province and its people."

Gnawi said, "The discussion focused on improving banking services by expanding the work of banks, adopting digital systems, supporting small and medium enterprises, and providing job opportunities for young people." He added that "the discussion focused on establishing a new building for the Central Bank in Najaf and rehabilitating the streets of the old city, similar to Rashid and Mutanabbi Streets in the capital, Baghdad."

He stressed: "The local government is keen to enhance cooperation between Najaf and the Central Bank to ensure the improvement of financial and banking services and support development projects that contribute to the well-being of citizens and the development of the province."

The statement indicated that "the two sides stressed the importance of enhancing housing loan initiatives and supporting investment, strategic projects, and infrastructure to ensure a safe financial and investment environment."

The Central Bank Governor meets with the Indian Ambassador to Baghdad. 

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The Central Bank Governor meets with the Indian Ambassador to Baghdad.

His Excellency the Governor of the Central Bank of Iraq, Mr. Ali Mohsen Al-Alaq, met with His Excellency the Indian Ambassador to Iraq, Mr. Somen Bagchi, at the Central Bank's headquarters in Baghdad.

During the meeting, prospects for professional cooperation between the Central Bank of Iraq and Indian entities involved in digital payment systems were discussed. This includes capacity building, exchange of technical expertise, development of infrastructure supporting modern payment services, and strengthening security controls and risk governance in accordance with international best practices.

His Excellency the Governor affirmed the Central Bank's commitment to continuing to develop payment systems and expand the use of electronic channels to enhance financial inclusion and service efficiency, in line with approved regulatory frameworks. He also commended the Indian side's willingness to support technical cooperation programs and exchange expertise in related fields.

The two sides agreed to continue coordination through official channels to explore possible avenues of cooperation and establish technical follow-up mechanisms when necessary.

Central Bank of Iraq 
Media Office



Al-Fatlawi: The government is using oil prices and its dispute with the region as an excuse to cover up its financial problems.

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MP Zuhair Al-Fatlawi confirmed on Tuesday that there is “defects and mismanagement” by the government in managing public finances, stressing that the halt in projects in the governorates is directly due to the lack of available funds.
Al-Fatlawi told Al-Maalouma that “the Ministry of Finance indicated the existence of a clear deficit as a result of the decline in oil revenues,” warning that “this situation affects the government’s ability to finance essential projects and cover operating expenses.”

He continued, “The government and the Ministry of Finance are using secondary reasons to delay the issuance of the 2025 budget, citing fluctuating oil prices and disputes with the region, in an attempt to cover up the real problems in financial management.”
He stressed that “the continuation of this delay harms development projects and negative impacts on the lives of citizens,” calling on the government to “address the financial deficit and develop urgent solutions to activate stalled projects.”

Observers point out that the continuation of this situation puts development projects at risk and increases the suffering of citizens, which calls for urgent measures from the government to address the administrative and financial imbalance and reactivate the wheel of development in the governorates. End


Lawsuit filed against the government and the Ministry of Finance for delaying budget schedules

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Member of Parliament, Mustafa Al-Karaawi, announced on Tuesday that he had filed a lawsuit with the Public Prosecution against the government and the Ministry of Finance, due to their delay in sending the 2025 budget tables.
Al-Karaawi said in a statement to Al-Maalouma Agency, “The delay in sending the 2025 general budget tables negatively affected economic activity and led to a state of recession in the markets, in addition to disrupting many businesses in various sectors.”
He added, "This delay is a clear violation of the Financial Management Law, which prompted us to resort to the judiciary to determine the real reasons behind the delay and hold the negligent parties accountable."
He pointed out that "the government bears full responsibility for the disruption of financial and operational activities, in addition to the delay in employees' entitlements to bonuses, promotions and other financial rights." 



Member of the Dutch trade delegation: There are many facilities for investment companies in Kurdistan.

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Member of the Dutch trade delegation to the Kurdistan Region, Peter de Graaf

“We have a long history of trade with the Kurdistan Region, and our goal here is to find suitable business opportunities to increase our investments,” said Peter de Graaf, a member of the Dutch trade delegation to the Kurdistan Region.

During an interview on Kurdistan 24, he pointed out that the Kurdistan Region stands out from the rest of Iraq for its business-friendly environment for investors and its openness to foreign companies.

He emphasized that this is what the Prime Minister of the region, Masrour Barzani, has emphasized on more than one occasion.

He pointed out that many Dutch products are exported to the region, and that Dutch traders hope to establish partnerships in the agricultural sector, leveraging the Netherlands' advanced expertise in this field, to enhance trade cooperation and exchange of expertise with the region.

He stressed that the large influx of investors to Erbil reflects businesspeople's confidence in the region's economic progress and enhances opportunities for future partnerships.

Today, Tuesday, Kurdistan Regional Government Prime Minister Masrour Barzani inaugurated the sixth Erbil International Investment Fair.

The Prime Minister of the Kurdistan Regional Government toured the exhibition's sections, spoke with participating investors, and viewed models of projects under construction in the Kurdistan Region and projects planned for future construction.

The exhibition is scheduled to last four consecutive days, during which it will be open to visitors and those interested in the real estate sector. Some 250 companies from 16 countries are participating, making it one of the most prominent economic events in the Kurdistan Region.



Baghdad and Washington agree to avoid conflict and affirm that economic partnership builds a strong government.

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Baghdad and Washington agree to avoid conflict and affirm that economic partnership builds a strong government.

Iraqi Parliament Speaker Mahmoud al-Mashhadani and the new US Chargé d'Affaires in Iraq, Joshua Harris, discussed on Tuesday the importance of sparing the country from regional conflicts, stressing that US investment and economic partnerships must contribute to building a strong government.

This came during Mahmoud Al-Mashhadani's reception of Joshua Harris at his private office for an official meeting during which views were exchanged and frameworks for strategic cooperation between the two countries were discussed.

In a statement to the House of Representatives, Al-Mashhadani stressed that "Iraq's security stability and economic prosperity are closely intertwined, and that achieving stability requires supporting the national economy and employing youth, through activating the private sector and the entry of American companies into the Iraqi market."

He also stressed that "the next phase after the elections requires genuine partnerships to deepen economic and political relations and strengthen Iraq's sovereignty and national unity, with a focus on government efficiency and the application of the principle of citizenship as the foundation of the development approach."

For his part, Joshua Harris praised "the sacrifices made by Iraq in defeating terrorism," stressing that "his country is committed to working side by side with the Iraqi government and people after the upcoming elections."

He pointed out that "the US-Iraq partnership represents a strategic opportunity to build a new chapter of joint cooperation based on mutual interests and investment in energy issues, including natural gas, diversifying electricity sources, and expanding investment projects in a tangible manner on the ground."

According to the statement, the two sides also discussed "foreign relations and the importance of sparing Iraq from regional conflicts, emphasizing that American investment and economic partnerships must contribute to building a strong government and a citizen-based state based on competence and national unity, and maintaining security stability, economic prosperity, and good neighborliness."

The meeting concluded that "achieving these shared visions requires intensive field work and ongoing meetings with the Iraqi government to strengthen bilateral cooperation and establish the foundations for a long-term strategic partnership between Iraq and the United States, based on mutual respect, national sovereignty, and common interest," according to the statement.


Mazhar Saleh: The economy is achieving positive indicators with a growth rate of 5.3% in 2025.

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The financial advisor to the Prime Minister, Mazhar Mohammed Salih, affirmed on Tuesday that the Iraqi economy is going through a pivotal phase that combines positive indicators and promising opportunities with structural challenges that require radical reforms, which the government program is working on with determination and a coherent approach.

Speaking to Al Furat News Agency, Saleh explained that "the gross domestic product is expected to achieve growth of approximately 5.3% in 2025 compared to previous years, indicating the strength of economic investment activity in the country."

He added, "The government has proposed more than 160 investment projects in the electricity, refineries, and ports sectors, reflecting a significant trend toward revitalizing the private sector within the services-oriented government." 

He pointed out that "the economy will continue to need to reaffirm two fundamental paths without interruption. The first is to continue sustaining infrastructure projects as a lever for growth and the development of direct productive activity. The second is to activate the strategic partnership with the private sector to lead sustainable development within the social market philosophy, ensuring a high degree of economic diversification, in accordance with the objectives of the National Development Plan 2024-2028 and beyond." 
















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The White House reveals a surprise regarding the bombing of Doha.

The White House revealed on Tuesday that US President Donald Trump asked Steve Witkoff, the US special envoy to the Middle East, to inform Doha of the Israeli attack.
The White House said, "The US military informed the White House that Israel would attack Hamas in Doha, and President Trump asked Witkoff to inform Doha of the impending Israeli attack."
It added that "unilateral bombing of the State of Qatar does not advance the interests of Israel or the United States," adding, "President Trump believes this unfortunate incident may present an opportunity for peace."
The White House noted that "President Trump spoke with the Emir and Prime Minister of Qatar and emphasized his desire for peace in the Middle East."
It continued, "President Trump continues to strive, alongside our allies, to achieve peace in the Middle East," adding, "Bombing Hamas in Qatar, a close ally of ours that is working hard and courageously to broker peace, does not serve our objectives."
Earlier on Tuesday, the Israeli military announced that it had carried out a precision airstrike on the Hamas leadership in Doha, noting that it had dubbed the operation "Day of Reckoning."


Israel violates Iraq’s space to strike Doha

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Israel violates Iraq’s space to strike Doha

Israeli fighter jets crossed the airspace of Jordan, Syria, Iraq, and Saudi Arabia to carry out an airstrike operation in the Qatari capital, Doha, targeting a meeting of Hamas leaders, Israeli media reported on Tuesday.

Channel 14 revealed that ten Israeli warplanes took part in the raid, launching ten missiles at the location where the Hamas delegation was convening. The operation, named “Day of Reckoning,” reportedly covered a distance of 1,800 kilometers to reach its target.

According to Israel’s Yedioth Ahronoth newspaper, the operation was executed in coordination with other countries.

The strikes drew a wave of condemnation from regional and international actors.

Meanwhile, Israeli Prime Minister Benjamin Netanyahu and Defense Minister Israel Katz, in a joint statement, said that Israel’s strike on Hamas leaders in Doha was fully justified, citing the group’s role in the “October 7 massacre and continued deadly attacks against Israelis.”

 

 

Warnings: "Strikes are imminent"

 

Iraq is on Tel Aviv's list of targets. Will Israel repeat the Doha scenario in Baghdad?

 

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The recent Israeli strike targeting Hamas leaders in the heart of the Qatari capital, Doha, has reopened old issues in Iraq related to attacks on its territory over the past years. Since 2019, when a series of raids targeted weapons depots and headquarters of Popular Mobilization Forces (PMF) factions in Baghdad, Salah al-Din, and Anbar, the question of Iraq's ability to protect its airspace and sovereignty has remained unanswered.

These attacks, carried out using drones and precision-guided weapons, for which Israel has not officially claimed responsibility but has not hidden their significance, have paved the way for a new phase of cross-border threats. With the recent developments in Doha, fears are growing that the same scenario could spread to Iraq once again. In this context, parliamentary statements and analyses by strategic experts have confirmed that the possibility of a recurrence of these attacks in Iraq remains highly likely.

Member of the Parliamentary Security and Defense Committee, Iskandar Watout, explained to Baghdad Today that "the Zionist entity launching strikes against Iraq similar to what happened in Doha is a possibility." This statement did not come out of nowhere, but rather came in light of "the growing escalation in the region and the recent developments we have witnessed with precision strikes targeting figures and leaders on Qatari soil." The bottom line, according to analysts, is that Iraq is not outside the danger zone, especially with "the continued foreign intelligence activity and the use of drones and advanced technology," as Watout pointed out. This description is based on a previous record of targeting prominent leaders inside Iraqi territory, including members of the Popular Mobilization Forces.

Here, what Wattot argued intersects with what security expert Ahmed al-Tamimi explained to Baghdad Today, when he asserted that "the occupation would not have been able to carry out assassinations of Hamas leaders in the heart of Doha had it not been for receiving a direct green light from the White House." This description, according to experts, reinforces the conviction that any similar targeting could reach Baghdad in the absence of a comprehensive air deterrent, and that Iraq could find itself facing a similar threat if the same circumstances exist.

Not content with merely warning, Witout emphasized that "the danger is real and recurring, requiring a reassessment of the security and precautionary situation within Iraq." Here, he called for "rebuilding the national air defense system to match the scale of the expected threats, and equipping it with advanced technologies capable of detecting and intercepting drones and smart missiles." This approach is similar to the reading of strategic affairs expert Abbas al-Jubouri, who confirmed to Baghdad Today that "Iraq faces major challenges in repelling any potential Israeli air attack, especially in the absence of an integrated and advanced air defense system." This observation reflects a chronic problem that has existed since 2003, as air defense capabilities remain limited, and some vital areas are vulnerable to advanced air penetration. Analysts believe that the persistence of this deficiency constitutes a strategic gap that Israel could exploit when necessary.

In another aspect of the threat, al-Jubouri focused on the situation of the Popular Mobilization Forces (PMF), noting that "field and political leaders have become declared targets in light of the regional escalation." He based this on the fact that "many of the attacks targeting PMF leaders in recent years were carried out with precision weapons and over long periods of monitoring." This experience reveals that the attacks rely not only on air power but also on security gaps related to "communications and movement security." Here, experts believe that addressing these gaps is no less important than strengthening air defenses, because the leadership remains exposed if routine movement patterns and weak information control persist.

Tut called for "activating preventive intelligence work and enhancing the capabilities of security agencies to track suspicious movements," while al-Jubouri presented a package of detailed measures to reduce the risk, including "banning the use of smart devices in sensitive locations, permanently encrypting communications, and restricting atypical leadership movements and constantly changing meeting locations." These measures, while seemingly technical, reveal that the nature of the current conflict requires action on two fronts: the traditional air defense front and the cyber and information security front.

Al-Tamimi, for his part, added another dimension when he said, "This dangerous development indicates that Washington has granted the occupation absolute freedom to launch attacks on any target in the Middle East," warning that Ankara, like Baghdad, could be a potential target if Israel expands its policy of foreign assassinations. This warning adds a regional dimension to Iraqi concerns and reflects that what happened in Doha cannot be isolated from a broader security environment encompassing all capitals hosting Palestinian leaders.

Parliamentary warnings and expert insights, supported by Tamimi's analysis, present Iraq with a reality that cannot be ignored: the possibility of Israeli strikes similar to those in Doha exists, and is even likely if the air defense system remains weak and information security gaps persist. Between rebuilding defense capabilities and developing intelligence protection tools, the greatest challenge remains moving from warning to implementation. The danger, as Witout, al-Jubouri, and Tamimi point out, is not related to the future of the Popular Mobilization Forces or its leaders alone, but rather to the Iraqi state's ability to protect its sovereignty and prevent its territory from being turned into an open arena for settling regional and international scores.


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