Fintech, retail banking and Artificial Intelligence: Analysis of challenges and opportunities for Moroccan banks

Fintech, services bancaires aux particuliers et Intelligence Artificielle: Analyse des défis et opportunités pour les banques marocaines

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 research examines the transformational impact of financial technologies (Fintech) and artificial intelligence (AI) on the Moroccan banking sector, particularly in retail banking services. In a context of rapid evolution of the global financial landscape, Moroccan banks face major challenges in maintaining their competitiveness while meeting new consumer expectations. This study quantitatively analyzes the adoption of Fintech and AI solutions by Moroccan banks, drawing on data from Bank Al-Maghrib and major financial institutions in the country over the period 2018-2023. The results reveal a significant correlation between investment in financial technologies and improved bank operational performance, while highlighting obstacles specific to the Moroccan context, particularly in terms of technological infrastructure and regulatory adaptation

Keywords: Fintech; AI; Banking Services; Digital Transformation; Financial Inclusion; Fintech IA Services bancaires; Transformation digitale; IA; Services bancaires; Inclusion financière Fintech (search for similar items in EconPapers)
Date: 2025-06-10
Note: View the original document on HAL open archive server: https://hal.science/hal-05145200v1
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Published in Revue Française d'Economie et de Gestion , 2025, 6 (6), pp.381-393. ⟨10.5281/zenodo.15742393⟩

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Persistent link: https://EconPapers.repec.org/RePEc:hal:journl:hal-05145200

DOI: 10.5281/zenodo.15742393

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