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Fintech and Credit Risk Intelligence: Implications for Banking Performance in Morocco

Author

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  • Hicham Sadok

    (University Mohammed V, Rabat, Morocco)

Abstract

While digital transformation is sweeping the global financial sector, there remains a significant research gap regarding its empirical impact on risk management within the specific institutional framework of North African emerging markets. This study addresses this gap by applying the Knowledge-Based View (KBV) to analyze how fintech implementation transforms raw borrower data into strategic risk intelligence. Using a linear structural equation model (LSEM) on data from five major Moroccan banks - representing over 75% of the market - we compare the pre-fintech (2007–2014) and fintech (2015–2022) eras. Our academic contribution reveals that digital adoption serves as a primary engine for organizational learning, allowing banks to absorb and exploit non-traditional data to maintain stable non-performing loan (NPL) levels despite aggressive asset growth. Actionable insights for the Moroccan context suggest that digital transformation is not merely a cost-cutting tool but a strategic filter for financial stability. We provide specific policy recommendations for Moroccan regulators: (1) incentivize the integration of big data analytics to lower credit barriers for SMEs and previously excluded populations, and (2) leverage digital-financial literacy as a driver for broader economic resilience. The results confirm that for Morocco, digital maturity is the key to reconciling turnover expansion with robust insolvency mitigation.
(This abstract was borrowed from another version of this item.)

Suggested Citation

  • Hicham Sadok, 2026. "Fintech and Credit Risk Intelligence: Implications for Banking Performance in Morocco," Post-Print hal-05731468, HAL.
    • Handle: RePEc:hal:journl:hal-05731468
    DOI: 10.1007/s13132-026-03276-0
    as

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