Evaluation of the fintech era on the performance of Moroccan banks: analysis through non-performing loans

F1000Research, Journal Year: 2025, Volume and Issue: 13, P. 1365 - 1365

Published: Jan. 27, 2025

Background This study aims to contribute a better understanding of the impact financial technologies (fintech) era on performance in banking sector, measured through non-performing loans (NPL) and their coverage by provisions for NPL. It is question knowing whether investment fintech makes it possible evaluate granting credits, therefore reduce overdue credits. Methods To this end, method used consists using regression analysis Pearson correlation applied data Moroccan banks observed during two distinct periods, namely 2007-2014, considered pre-fintech, period 2015-2022, as period. Results With emergence era, digital technology, which supposed help assess credit applications, situation improved slightly compared pre-fintech period: bad debts have remained stable despite significant increase net income size assets era. Conclusions The implementation digitalization has customer relationship management, risk loan monitoring services, ultimately reduces improves provisions. main implication results allows us deduce that positive stabilizing increasing volumes, likely serve lever inclusion those excluded from services.

Language: Английский

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Guiding organizations in the digital era: Tools and metrics for success

International Journal of Engineering Business Management, Journal Year: 2025, Volume and Issue: 17

Published: Jan. 24, 2025

This study develops a strategic framework to guide the adoption of Industry 4.0 technologies across various business sectors. Using mixed-methods approach, research combines an extensive literature review with empirical investigations, including case studies and surveys industry practitioners. The integrates advanced digital technologies, such as artificial intelligence immersive solutions, provides specific indicators measure progress. Key findings highlight critical areas benefiting from transformation, production, operations management, IT, showcasing improvements in resource operational efficiency, innovation capabilities. study’s originality lies its comprehensive actionable framework, validated through data aligned international standards, offering practical tools for businesses navigating transformation.

Language: Английский

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Transformation digitale de l’économie marocaine : une approche comparative des performances

Maghreb - Machrek, Journal Year: 2024, Volume and Issue: N° 256(4), P. 49 - 68

Published: May 16, 2024

Dans le cadre de la transformation digitale, plusieurs États investissent dans les technologies l’information et communication (TIC), plus généralement digital, pour améliorer l’inclusion donc développement. Cependant, retour sur cet investissement n’est pas suffisamment évalué cette étude se propose combler lacune à travers une analyse longitudinale du degré maturité digitale fondée des indicateurs mesure digitalisation, tels que l’Indice Développement TIC Global l’Innovation. Une revue littérature est suivie d’une contexte digital marocain, comparé aux réalisations certains pays région MENA, Tunisie, l’Egypte l’Iran. Cette exploratoire qui porte niveau d’accessibilité, connectivité, facilités barrières révèle que, malgré améliorations réalisées par Maroc autres l’échantillon en matière d’économie numérique, résultats ne sont encore satisfaisants. Les obtenus permettent, ainsi, mieux comprendre situation l’économie analysés, d’enrichir données d’éclairer prise décision d’investissement ce domaine. JEL: A12, N77, O11, O38, P4.

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Financement de la R&D par l’industrie et production des brevets dans trois pays MENA

Maghreb - Machrek, Journal Year: 2024, Volume and Issue: N° 256(4), P. 31 - 48

Published: May 16, 2024

Les brevets représentent l’un des indicateurs proéminents du processus de l’innovation. L’objectif cette étude est d’identifier les facteurs favorisant le dépôt par l’industrie lors l’analyse cas trois pays la région MENA, à savoir, Maroc, Tunisie et l’Egypte, au cours période 2012-2021. L’analyse effets financement R&D travers tels nombre publications, collaboration université-entreprise, grâce méthode PLS, conduit résultats significatifs sur nature relation entre ces déterminants résidents étudiés. obtenus ont permis conclure que niveau publications indexées, conjointement produit universités entreprises, un impact majeur production pour Maroc Tunisie. Concernant mis en évidence activités recherche a effet positif fort déposés. JEL: O31, O34, O34.

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Evaluation of the fintech era on the performance of Moroccan banks: analysis through non-performing loans

F1000Research, Journal Year: 2024, Volume and Issue: 13, P. 1365 - 1365

Published: Nov. 14, 2024

Background This study aims to contribute a better understanding of the impact financial technologies (fintech) era on performance in banking sector, measured through non-performing loans (NPL) and their coverage by provisions for NPL. It is question knowing whether investment fintech makes it possible evaluate granting credits, therefore reduce overdue credits. Methods To this end, method used consists using regression analysis Pearson correlation applied data Moroccan banks observed during two distinct periods, namely 2007-2014, considered pre-fintech, period 2015-2022, as period. Results With emergence era, situation improved slightly compared pre-fintech period: bad debts did not increase despite significant net income size assets era. Conclusions The implementation has customer relationship management, credit risk loan monitoring services, which ultimately reduces improves provisions. main implication results allows us deduce that have positive they are also likely serve lever inclusion those excluded from services.

Language: Английский

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Digital Investment and Firm Performance: Evidence from Moroccan Companies

Lecture notes in business information processing, Journal Year: 2024, Volume and Issue: unknown, P. 83 - 100

Published: Nov. 28, 2024

Language: Английский

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The Effects of Artificial Intelligence on the Future of Employment: Looking for a Trend from a Literature Review

Procedia Computer Science, Journal Year: 2024, Volume and Issue: 246, P. 4194 - 4203

Published: Jan. 1, 2024

Language: Английский

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The Determinants of Digital Investment Decision-Making by Moroccan Companies: Is It Rational or a Fad?

Lecture notes in networks and systems, Journal Year: 2024, Volume and Issue: unknown, P. 323 - 339

Published: Jan. 1, 2024

Language: Английский

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Developing Methods for Assessing the Impact of Digital Innovations on the Economic Efficiency of Enterprises: Methodology for Measuring ROI of Digital Projects

Bulletin of Science and Practice, Journal Year: 2024, Volume and Issue: 10(10), P. 244 - 251

Published: Oct. 14, 2024

This study aims to develop methodologies for assessing the return on investment (ROI) of digital projects, crucial understanding economic impact innovations enterprises. Traditional ROI metrics often fail capture comprehensive value generated by projects. The proposed integrative framework employs advanced analytical methods, including cost-benefit analysis, real options and predictive analytics, evaluate both tangible intangible benefits. It incorporates dynamic risk management scenario planning address uncertainties future challenges. Continuous feedback iterative improvements ensure framework's accuracy relevance, enabling enterprises optimize efficiency strategic decision-making. holistic approach offers an multifaceted innovations.

Language: Английский

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Analysis of the Relationship Between Innovation, Digitalization and Economic Growth in North African Countries

Lecture notes in business information processing, Journal Year: 2024, Volume and Issue: unknown, P. 183 - 198

Published: Nov. 28, 2024

Language: Английский

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