This study examines the adoption of e-payment technology as a key component of digital transformation in the Iraqi economy. The Unified Theory of Acceptance and Use of Technology (UTAUT) is employed to analyse the determinants of users’ behavioural intentions toward the continuous use of cashless payment systems. Data were collected using a simple random sampling approach, with 200 questionnaires distributed via WhatsApp to government employees holding bank accounts in Iraq. A total of 195 valid responses (98%) were obtained and used for empirical analysis. The results indicate a moderate level of behavioural intention to use e-payment systems. The core UTAUT constructs - performance expectancy, effort expectancy, social influence, and facilitating conditions - demonstrate a statistically significant but limited influence on users’ intention to continue using e-payment technologies. Furthermore, users exhibit concerns regarding data privacy, cybersecurity risks, and insufficient trust in digital platforms, which negatively affect adoption. These findings highlight several structural barriers to digital transformation in Iraq, including low financial inclusion, limited digital financial literacy, and underdeveloped technological infrastructure. Accordingly, enhancing user adoption of e-payment systems requires improvements in digital infrastructure, strengthening cybersecurity frameworks, and increasing public awareness of the benefits of digital financial services.
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