QiCard

Founded in 2007, International Smart Card (trading as QiCard) is a major financial technology company in Iraq. It was established in partnership with the Iraqi government's state-owned Al-Rafidain and Al-Rashed banks to create a national payment system. The company's mission is to drive financial inclusion by providing secure and accessible electronic payment solutions to millions of Iraqi citizens. Its core service involves the issuance of biometric identity-enabled smart cards (QiCards) used for receiving government salaries, pensions, and social security benefits, as well as for making payments at POS terminals, e-commerce transactions, and cash withdrawals from ATMs.