Efficiency of Retail Banking Internationalization Strategy: The Case of Moroccan Banks in Africa. A Structural Equation Modeling Approach

Efficience de la stratégie d'internationalisation de la banque de détail: Le cas des banques marocaines en Afrique. Approche par les équations structurelles

Rachid Maghniwi () and Mustapha Oukassi
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Rachid Maghniwi: UM5 - Université mohamed 5, Rabat
Mustapha Oukassi: UM5 - Université mohamed 5, Rabat

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Abstract: This study examines the effectiveness of Moroccan retail banks' internationalization strategy in Africa. Using Structural Equation Modeling (SEM), we analyze key factors influencing the success of this international expansion. The study covers 5 major Moroccan banks operating in 15 African countries from 2014-2023. Results reveal that local adaptation, technological innovation, risk management, and competitive advantages significantly influence performance, with local adaptation and technological innovation showing the strongest impact. This research enhances our understanding of banking internationalization dynamics in the African context and provides practical implications for financial institutions' expansion strategies.

Keywords: Banking internationalization; Moroccan banks; Africa; Structural Equation Modeling; Expansion strategy; Internationalisation bancaire; Banques marocaines; Afrique; Modélisation par équations structurelles; Stratégie d'expansion (search for similar items in EconPapers)
Date: 2024-11
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Published in African Scientific Journal, 2024, 3 (27), ⟨10.5281/zenodo.14170208⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-04791922

DOI: 10.5281/zenodo.14170208

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