Adoption rises but bottlenecks remain 95% of payments use ZainCash Fees in Iraq lower than elsewhere A burgeoning youth market is driving adoption of digital payments in Iraq, but deep-rooted reliance on cash, talent bottlenecks and rock-bottom fees constrain growth, according to Yazen Altimimi, chief executive of local fintech ZainCash. “We are moving in the right direction,” Altimimi told AGBI from Baghdad.