THE IMPACT OF DIGITAL FINANCE ON FINANCIAL INCLUSION IN MOROCCO
Abstract
This study examines the impact of digital finance on financial inclusion in Morocco. Adopting a quantitative methodology, the study is based on data collected from 454 individual bank customers and data analysis is carried out using structural equation modeling. We examined the relationships between digital finance and users' access, quality, use and financial well-being. The results indicate that digital finance significantly enhances these aspects, thereby facilitating individual inclusion. The study highlights the importance of supporting financial innovation while ensuring consumer protection and the inclusion of vulnerable populations. Implications for policymakers and financial sector players are discussed, highlighting the importance of inclusive strategies to maximize the benefits of digital finance.
JEL: F21, F43, O43, O47, O55
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DOI: http://dx.doi.org/10.46827/ejefr.v8i4.1742
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