Fintech as a key tool for financial inclusion in Morocco

La fintech comme outil clé pour l’inclusion financière au Maroc

Omaima Kassim and Mustapha Chami
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Omaima Kassim: ENCGS - Ecole Nationale de Commerce et de Gestion de SETTAT
Mustapha Chami: ENCGS - Ecole Nationale de Commerce et de Gestion de SETTAT

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Abstract: Financial inclusion has emerged as a key driver of both economic and social development, insofar as it conditions the integration of populations into dynamics of growth and inequality reduction. In Morocco, despite progress achieved in terms of banking penetration, a significant proportion of the population (particularly women, rural inhabitants, and micro-entrepreneurs) remains excluded from the formal financial system. In this context, financial technologies are emerging as a transformative lever by offering innovative and accessible solutions capable of addressing the structural limitations of traditional banking institutions. Their contribution, however, depends on several factors: bridging the digital divide, strengthening financial and digital literacy, improving infrastructure, and consolidating an inclusive regulatory framework. The effectiveness of FinTech in promoting sustainable financial inclusion will ultimately hinge on the articulation of these conditions. This article seeks to explore how FinTech can establish itself as a key tool for financial inclusion in Morocco. It will analyze current trends in the Moroccan FinTech market, the most promising innovations, as well as the challenges that must be addressed to fully harness the potential of these two technologies in advancing financial inclusion. Drawing on recent data and comparing the experiences of different countries, it will also assess public policies and private initiatives that could foster the development of FinTech as a driver of more equitable and sustainable financial inclusion. This study is based on a rigorous documentary review drawing on high-quality scientific articles selected following the methodological framework proposed by Tranfield et al. (2003), the analysis proceeds through five key stages: planning, source identification, study selection, data extraction, and synthesis of findings.

Keywords: planification identification des sources sélection des études extraction des Inclusion financière fintech (technologie financière) Classification JEL : G23 Type du papier : Recherche théorique Financial inclusion Fintech ( Financial technology) JEL Classification : G23 Paper type : Theoretical Research; Technologie financière; Inclusion financière; extraction des Inclusion financière; fintech (technologie financière) Classification JEL : G23 Type du papier : Recherche théorique Financial inclusion; Fintech ( Financial technology) JEL Classification : G23 Paper type : Theoretical Research (search for similar items in EconPapers)
Date: 2025
Note: View the original document on HAL open archive server: https://hal.science/hal-05413579v1
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Published in International Journal of Accounting, Finance, Auditing, Management and Economics, A paraître, ⟨10.5281/zenodo.17855394⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05413579

DOI: 10.5281/zenodo.17855394

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