Business

A Closer Look at Qi Card’s Range of Financial Services

Published

1 year ago

August 19, 2024

Credit: Qi Card

Since starting in 2007, Qi Card has become a significant player in Iraq’s financial services. The Iraqi Electronic Payment Systems and Rafidain Bank founded Qi Card, which has changed how financial services operate in Iraq. It offers a variety of services that have impacted the financial industry.

Biometric ID Cards: Enhancing Security

Qi Card introduced biometric ID cards, setting a new standard for secure transactions in Iraq. These cards use fingerprint-based authentication, which helps prevent fraud and identity theft. Users can access their funds and complete transactions safely and efficiently.

Qi Card’s biometric ID cards have transformed financial inclusion in Iraq. As of 2024, Qi Card serves over twelve million clients, including government employees, pensioners, and private sector workers. Bahaa Abdul Hadi, the founder of Qi Card, said, “Our biometric technology has improved security and enhanced the user experience, making financial services accessible to more Iraqis.”

Comprehensive Mobile Application: Qi Services

Qi Card’s mobile application, Qi Services, is vital to its offerings. The app allows users to check balances, transfer money, and accept payments—all from their smartphones. This easy-to-use platform helps customers manage their finances effortlessly.

One standout feature of the Qi Services app is its integration with Western Union. This partnership makes it easy for users to send money internationally, which is essential for the Iraqi diaspora, as it allows them to send money home quickly and securely.

Salary Distribution and Loan Disbursement

Qi Card is crucial for distributing salaries to government and private sector employees. This service guarantees that employers pay wages on time and securely, reducing the administrative burden on employers and providing employees with a reliable way to receive their pay.

Since 2018, Qi Card has disbursed over $4 billion in loans to more than 800,000 citizens. These loans support small businesses and individuals, contributing to economic growth. The use of multi-biometric identification makes sure that these loan disbursements are secure and accessible.

Strategic Partnerships: Expanding Reach and Capabilities

Qi Card has formed strategic alliances to enhance its service offerings. Its partnership with Asiacell and Digital Zone aims to streamline digital transactions and promote financial inclusion in Iraq. These collaborations combine the strengths of each partner to offer more comprehensive services to users.

In a significant move, Qi Card launched the ‘superQi’ app in partnership with Alipay. This app integrates various financial services, including e-commerce capabilities, making it a one-stop solution for users. Bahaa Abdul Hadi noted, “The ‘superQi’ app marks a significant leap in providing comprehensive, advanced financial services to our users, setting a new standard in the region.”

Commitment to Financial Inclusion

A key goal of Qi Card is to enhance financial inclusion. It provides access to financial services to previously underserved populations, including displaced migrants. Qi Card is filling critical gaps in the financial system, making sure that more Iraqis can participate in the formal economy, and promoting broader economic growth.

Qi Card continues to innovate with products like travel card and credit facilities, which cater to the diverse needs of Iraq’s population and provide tailored solutions that enhance financial accessibility and convenience.

Future Prospects and Industry Impact

Iraq’s fintech sector is expected to grow significantly, with an estimated annual growth rate of 20% for 2024-2025. Qi Card is well-prepared to lead this growth with its strong technological foundation and strategic partnerships. The company’s innovative solutions and comprehensive services will likely attract more users.

While Qi Card has achieved considerable success, challenges remain. Regulatory changes and technological advancements, such as blockchain and AI, present both risks and opportunities. Qi Card’s ability to adapt and innovate will be crucial in navigating these changes and maintaining its leadership in the market.

Qi Card’s range of financial services highlights the company’s innovative spirit and dedication to enhancing financial inclusion in Iraq. Through advanced biometric technology, a comprehensive mobile application, strategic partnerships, and a focus on underserved populations, Qi Card is transforming the financial terrain in Iraq.

As the company continues to grow and evolve, its impact on Iraq’s economy and the global fintech industry will be significant.

Business

The Key Components of a Successful Digital Marketing Strategy

Published

3 days ago

November 16, 2025

Matthew Wiles

In today’s hyper-connected world, a well-defined digital marketing strategy is essential for any business that wants to grow, build brand trust, and stay competitive. Whether you’re a local retailer, an eCommerce business, or a professional service provider, your online presence plays a major role in shaping how your audience perceives you. For example, industries like legal services are increasingly recognising the benefits of specialised digital marketing for law firms to attract and engage clients in an increasingly digital marketplace.

Below, we explore the key components that make up a successful digital marketing strategy—and how to align them with your business goals.

Clear Objectives and Measurable Goals

Every effective strategy begins with a clear understanding of what success looks like. Your goals might include increasing website traffic, generating leads, improving search engine visibility, or enhancing customer retention. Setting SMART (Specific, Measurable, Achievable, Relevant, and Time-bound) objectives helps ensure that each marketing activity contributes to tangible outcomes.

A Strong Brand Identity

Your digital marketing efforts should reflect a cohesive brand identity that resonates across every channel—your website, social media, email campaigns, and online ads. Consistent visual design, tone of voice, and messaging establish credibility and make your business instantly recognisable.

Search Engine Optimisation (SEO)

SEO remains the backbone of digital visibility. From on-page content optimisation and keyword targeting to technical site health and link-building, SEO ensures your business appears where customers are actively searching. Local SEO, in particular, helps businesses connect with audiences in specific geographic areas—an essential tactic for professionals and service-based businesses.

Engaging Content Marketing

High-quality, relevant content builds authority and nurtures relationships. Blogs, videos, infographics, podcasts, and whitepapers provide opportunities to educate, entertain, and inspire your audience. Great content not only boosts SEO performance but also establishes your brand as a trusted industry leader.

Social Media Engagement

Social platforms allow you to interact directly with your audience, showcase brand personality, and promote your services. The key is to use the right platform for your audience—LinkedIn for B2B engagement, Instagram for visual storytelling, or Facebook for community connection. Regular posting, active engagement, and data analysis are crucial for success.

Paid Advertising (PPC and Social Ads)

Paid campaigns can provide immediate visibility and lead generation, especially when combined with strong targeting and data insights. Tools like Google Ads and Meta Ads Manager allow you to reach specific demographics, remarket to previous visitors, and maximise ROI through ongoing optimisation.

Email Marketing and Automation

Email remains one of the most effective tools for nurturing relationships. Automated workflows can deliver personalised experiences, keeping leads engaged throughout the buyer journey. From newsletters to drip campaigns, consistent and value-driven communication is key.

Data Analytics and Continuous Optimisation

No digital marketing strategy is complete without performance tracking. Tools like Google Analytics, social insights, and CRM data reveal what’s working—and what’s not. Regularly reviewing metrics enables businesses to refine their strategy and continually improve results.

Final Thoughts

A successful digital marketing strategy is more than a checklist—it’s an evolving framework built on research, creativity, and constant learning. When each component works together seamlessly, your business can attract, engage, and convert customers more effectively, while maintaining a powerful and professional online presence.