Participating in the virtual exchange with students from Texas provided a profoundly enriching academic and cultural experience. Through our three discussions, we delved into pertinent economic topics, including entrepreneurship, the banking system, digital payments, and financial policies in both Iraq and the United States. It was illuminating to discern how cultural factors and economic systems influence personal financial behavior and business development. This program not only expanded my comprehension of economic interdependence but also catalyzed novel ideas for future endeavors…