Qi Card

Smart Card (Semi-government Company) was formed in 2007 as a joint venture between the private sector represented by a privately held company (Iraqi System for Electronic Payment) and the government sector represented by the two largest government banks in Iraq, Rafidain and Rasheed Banks.

The leading and premier FinTech in IRAQ, ISC transformed the Iraqi market by providing simple , easy , affordable and efficient means of Financial inclusion especially though the leading local scheme account and card brand Qi (Pronounced Key) , ISC helped financial include 7M+ citizens and changed IRAQ from 5% only banked to 34%+ banked population, issued 7 Million accounts and cards and processed more than $34B in 2020.

Today ISC has more than 1,000 employees in Iraq, trained to provide network and channel support, customer service, and to run a smooth operation through Iraq.

ISC is managed by a Local and International team of dedicated professionals specialised in Banking & Finance, Management and Technology.

Qi provides the most efficient secure and natural Payment means in an ecosystem environment of Biometric ID, Payroll as a service and the banking account to create robust, trusted secure all in one solution for the government and private sector alike for a full A-Z salary distribution and post services. We are providing a turned Key service, operations and solutions that transforms Cash markets to cashless economy.

Fintech Company of the Year & Most Innovative Card – Iraq 2023 –