Enorrste: First, it seems apparent to me that this new initiative is being driven by the IMF rather than by the CBI or the GOI.
That being said, I foresee things moving at a somewhat faster pace here forward. Second, to the extent that the GOI/CBI/IMF require payrolls to be made electronically it is my opinion that people will fall in line quickly with the simplicity of an electronic system.
Think about the US: we all used to use dollars (assuming you are over 60), but now we almost all use a debit card (at least I do). It was not a hard sell. In fact, the transition was painless.
Therefore, if a local Iraqi has a choice between pulling his dinars out from under the mattress to go to the market or taking his debit card, I would vote for the debit card.