Ali Shawket  Thiab, Zeratul Izzah Mohd.  Yusoh, 
    Factors Influencing Adoption of Electronic Payment System: Case Study on Iraq,
    Journal of Engineering and Applied Sciences,
    Volume 14,Issue 12,
    2019,
    Pages 4235-4241,
    ISSN 1816-949x,
    jeasci.2019.4235.4241,
    (https://makhillpublications.co/view-article.php?doi=jeasci.2019.4235.4241)
    Abstract: The primary purpose of this research is to explore the perceptions of Iraq’s citizen for e-Commerce
and the factors that affect security aspect of electronic payment systems. This research also attempts to identify
the barriers that hamper the diffusion of electronic payment systems which are often underestimated in
developing countries. This research contributes to the body of knowledge in the area of e-Commerce with
particular interest on Iraq. The findings of this research are limited by the sample surveyed and the geographical
limits, however, the findings reached carry many implications for policy-makers in Iraq.
    Keywords: Electronic Payment System (EPS);security;e-Payment;e-Commerce;findings;barriers