التمويل الرقمي كمدخل للشمول المالي : دراسة مقارنة بين الدول المغاربية

Abstract EN

This study aims to shed light on the current level of both digital finance and financial inclusion in Maghreb countries.

A selection of indicators designed by the G20 to measure comprehensively the financial inclusion categories adopted by digital technologies was analyzed using the analytical descriptive method.

The study found that Maghreb countries remain lagging behind due to low rates of access to and use of traditional official banking services, including credit, account ownership and savings.

On the other hand, there are a set of relative improvements in financial expansions, non-cash transactions and digital payments, but these improvements do not correspond to the significant possibilities that these countries have in digital adoption and enhanced financial inclusion.