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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]

Author

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  • Rachid Maghniwi

    (UM5 - Université mohamed 5, Rabat)

  • Mustapha Oukassi

    (UM5 - Université mohamed 5, Rabat)

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

Suggested Citation

  • Rachid Maghniwi & Mustapha Oukassi, 2025. "Fintech, retail banking and Artificial Intelligence: Analysis of challenges and opportunities for Moroccan banks [Fintech, services bancaires aux particuliers et Intelligence Artificielle : Analyse," Post-Print hal-05145200, HAL.
    • Handle: RePEc:hal:journl:hal-05145200
    DOI: 10.5281/zenodo.15742393
    Note: View the original document on HAL open archive server: https://hal.science/hal-05145200v1
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