This take a look at aimed to look at the effect of virtual monetary inclusion on financial balance indicators and the overall performance of Iraqi business banks throughout the period 2014–2024. Financial inclusion is considered a key tool for promoting financial development, permitting all segments of society—mainly the financially excluded—to get right of entry to banking services inclusive of savings, credit, coverage, and coins transfers. The observe’s findings discovered a wonderful and statistically tremendous relationship among financial inclusion signs and the liquidity of Iraqi banks. The consequences also indicated that the distribution of financial institution branches and ATMs is focused in primary towns and industrial facilities, limiting get admission to to economic offerings in rural regions and growing economic exclusion. The study showed the lifestyles of an extended-time period equilibrium among financial institution liquidity and monetary inclusion indicators which include banking density (BD), ATM ratio to the adult population (ATM), and personal region credit score to GDP (DSOGDP), while banking spread (BS) did no longer display a tremendous impact on liquidity within the long time. The mistakes correction version consequences showed that the Iraqi banking device can correct approximately 54% of deviations from lengthy-term equilibrium within the following duration, reflecting the stability of the relationship between monetary inclusion and liquidity. The have a look at recommended increasing the use of banking era, simplifying economic processes, growing a complete financial institution database, and establishing a country wide middle for financial inclusion to decorate get admission to to monetary services for all segments of society, in particular financially excluded corporations.