Proceedings of the International Conference on Multidisciplinary Research in Management and Economics (ICMRME 2025)

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FinTech and Financial Inclusion: Unlocking Growth Opportunities for Moroccan SMEs

Authors
Essabir Mohamed1, *, Tani Wafaa2
1Ibn Zohr University, Doctoral student at the Faculty of Legal, Economic and Social Sciences of Agadir, Agadir, 80000, Morocco
2Ibn Zohr University, Professor and Researcher, at the Faculty of Legal, Economic and Social Sciences of Agadir, Agadir, 80000, Morocco
*Corresponding author. Email: mohamed.essabir@edu.uiz.ac.ma
Corresponding Author
Essabir Mohamed
Available Online 17 November 2025.
DOI
10.2991/978-94-6463-892-9_41How to use a DOI?
Keywords
Digital technology; Financial innovation; Financial technology (FinTech); Moroccan Context; Small and medium-sized enterprises (SMEs)
Abstract

The swift advancement of digital technologies and financial innovations, especially in the realm of financial technology (FinTech), is transforming Morocco’s financial services ecosystem and creating new growth opportunities for small and medium-sized enterprises (SMEs). Despite their crucial role in driving the Moroccan economy, SMEs continue to face significant challenges in accessing traditional financing, including limited collateral, high interest rates, and complex administrative procedures. This study examines how FinTech solutions—such as digital lending platforms, mobile payments, and peer-to-peer financing—are enhancing financial inclusion, reducing transaction costs, and bridging geographic and socioeconomic gaps, especially for underserved and rural businesses. By analyzing the regulatory framework, adoption levels, and the practical experiences of Moroccan SMEs, the research identifies both opportunities and constraints in leveraging FinTech to promote inclusive growth. The findings highlight the transformative potential of digital technology and financial innovation to position Moroccan SMEs as engines of sustainable economic development, competitiveness, and innovation.

Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

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Volume Title
Proceedings of the International Conference on Multidisciplinary Research in Management and Economics (ICMRME 2025)
Series
Advances in Economics, Business and Management Research
Publication Date
17 November 2025
ISBN
978-94-6463-892-9
ISSN
2352-5428
DOI
10.2991/978-94-6463-892-9_41How to use a DOI?
Copyright
© 2025 The Author(s)
Open Access
Open Access This chapter is licensed under the terms of the Creative Commons Attribution-NonCommercial 4.0 International License (http://creativecommons.org/licenses/by-nc/4.0/), which permits any noncommercial use, sharing, adaptation, distribution and reproduction in any medium or format, as long as you give appropriate credit to the original author(s) and the source, provide a link to the Creative Commons license and indicate if changes were made.

Cite this article

risenwbib
TY  - CONF
AU  - Essabir Mohamed
AU  - Tani Wafaa
PY  - 2025
DA  - 2025/11/17
TI  - FinTech and Financial Inclusion: Unlocking Growth Opportunities for Moroccan SMEs
BT  - Proceedings of the International Conference on Multidisciplinary Research in Management and Economics (ICMRME 2025)
PB  - Atlantis Press
SP  - 718
EP  - 729
SN  - 2352-5428
UR  - https://doi.org/10.2991/978-94-6463-892-9_41
DO  - 10.2991/978-94-6463-892-9_41
ID  - Mohamed2025
ER  -