Over the past decade, Morocco has built a strong foundation for financial modernization. With mobile phone penetration above 130% and rapidly growing internet access, technology is already part of most Moroccans’ daily lives.
Government strategies such as the National Financial Inclusion Strategy and projects like the national QR code system and instant payment are helping to create a more efficient, transparent, and connected financial ecosystem. Digital payments are rising sharply, and mobile money solutions are being adopted by small merchants, families, and young entrepreneurs across the country.
These initiatives show a clear direction: Morocco is ready to make financial access universal and digital innovation is the path to achieve it.
CBDC: The Next Step Toward Digital Sovereignty
A major innovation underway by Bank Al-Maghrib is the development of a Central Bank Digital Currency (CBDC), known as the digi
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