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Ethical Integration of Artificial Intelligence in the African Banking Sector and Its Impact on the Evolution of Skills and Professional Roles - Case of Morocco

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  • Rachid Maghniwi

    (Université Mohammed 5 RABAT)

  • Mustapha Oukassi

    (Université Mohammed 5 RABAT)

Abstract

This study examines the ethical integration of artificial intelligence (AI) in the Moroccan banking sector and itsimpact on the evolution of skills and professional roles, providing insight into the challenges and opportunities forthe African banking sector as a whole. In a context of rapid digital transformation, Morocco positions itself as aregional leader in the adoption of financial technologies, making it a relevant case study for understanding thedynamics at work across the continent. The main objective of this research is threefold: to analyze the modalitiesof ethical AI integration in Moroccan banks, to assess its impact on skills and professional roles, and to examinethe broader implications for financial inclusion and the country's economic development.The adopted methodology combines quantitative and qualitative approaches. Preliminary results indicate rapid AIadoption in the Moroccan banking sector, with a 60% increase in AI investments between 2018 and 2023. Thisadoption has led to a significant transformation of required skills, with 72% of surveyed banking professionalsreporting major changes in their roles. The study reveals the emergence of new positions such as "Banking AIEthicist" and "AI Customer Experience Manager", reflecting a growing awareness of ethical issues.In terms of financial inclusion, AI has enabled the extension of banking services to 30% new customers in ruralareas, through alternative credit scoring solutions and interfaces in Moroccan dialect. However, ethical challengespersist, particularly in terms of personal data protection and algorithmic transparency, with only 35% of the studiedbanks having established AI ethics committees. The implications of this research are manifold for Morocco andAfrica. It provides concrete recommendations for ethical and inclusive integration of AI in the banking sector,emphasizing the importance of a balanced approach between technological innovation and preservation of localcultural values

Suggested Citation

  • Rachid Maghniwi & Mustapha Oukassi, 2025. "Ethical Integration of Artificial Intelligence in the African Banking Sector and Its Impact on the Evolution of Skills and Professional Roles - Case of Morocco," Post-Print hal-05060945, HAL.
    • Handle: RePEc:hal:journl:hal-05060945
    DOI: 10.5281/zenodo.15367536
    Note: View the original document on HAL open archive server: https://hal.science/hal-05060945v1
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    References listed on IDEAS

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    1. Berger, Allen N. & Bouwman, Christa H.S., 2013. "How does capital affect bank performance during financial crises?," Journal of Financial Economics, Elsevier, vol. 109(1), pages 146-176.
    2. Daron Acemoglu & Pascual Restrepo, 2020. "Robots and Jobs: Evidence from US Labor Markets," Journal of Political Economy, University of Chicago Press, vol. 128(6), pages 2188-2244.
    3. Daniela Gabor & Sally Brooks, 2017. "The digital revolution in financial inclusion: international development in the fintech era," New Political Economy, Taylor & Francis Journals, vol. 22(4), pages 423-436, July.
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