domiciliation of salaries
                                                        
                                                                                                                                                                                                                                                                                                            
                                                            bank deposits
                                                        
                                                                                                                                                                                                                                                                                                            
                                                            electronic payments
                                                        
                                                                                                                                                                                         
                                                                        
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                                        The research problem consisted in answering the question that revolves around whether there is a relationship to the settlement of salaries with the growth of bank deposits? The research also aimed to provide some initial solutions to improve the role of salary localization, in terms of reviewing the concept of electronic payment systems, its tools and channels, and then identifying the concept of salary localization, its importance, objectives and obstacles to its application, and then analyzing the reality of the state of the settlement of salaries and bank deposits for the research sample banks, which are each of the bank (Ashur International, Business Bay, the Iraqi Middle East for Investment, the Iraqi National, Development and the 
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