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<p>While digital transformation is sweeping the global financial sector, there remains a significant research gap regarding its empirical impact on risk management within the specific institutional framework of North African emerging markets. This study addresses this gap by applying the Knowledge-Based View (KBV) to analyze how fintech implementation transforms raw borrower data into strategic risk intelligence. Using a linear structural equation model (LSEM) on data from five major Moroccan banks - representing over 75% of the market - we compare the pre-fintech (2007–2014) and fintech (2015–2022) eras. Our academic contribution reveals that digital adoption serves as a primary engine for organizational learning, allowing banks to absorb and exploit non-traditional data to maintain stable non-performing loan (NPL) levels despite aggressive asset growth. Actionable insights for the Moroccan context suggest that digital transformation is not merely a cost-cutting tool but a strategic filter for financial stability. We provide specific policy recommendations for Moroccan regulators: (1) incentivize the integration of big data analytics to lower credit barriers for SMEs and previously excluded populations, and (2) leverage digital-financial literacy as a driver for broader economic resilience. The results confirm that for Morocco, digital maturity is the key to reconciling turnover expansion with robust insolvency mitigation.</p>

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Fintech and Credit Risk Intelligence: Implications for Banking Performance in Morocco

  • 期刊论文

  • 发表日期：

    2026年4月20日

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  • Hicham Sadok

摘要

While digital transformation is sweeping the global financial sector, there remains a significant research gap regarding its empirical impact on risk management within the specific institutional framework of North African emerging markets. This study addresses this gap by applying the Knowledge-Based View (KBV) to analyze how fintech implementation transforms raw borrower data into strategic risk intelligence. Using a linear structural equation model (LSEM) on data from five major Moroccan banks - representing over 75% of the market - we compare the pre-fintech (2007–2014) and fintech (2015–2022) eras. Our academic contribution reveals that digital adoption serves as a primary engine for organizational learning, allowing banks to absorb and exploit non-traditional data to maintain stable non-performing loan (NPL) levels despite aggressive asset growth. Actionable insights for the Moroccan context suggest that digital transformation is not merely a cost-cutting tool but a strategic filter for financial stability. We provide specific policy recommendations for Moroccan regulators: (1) incentivize the integration of big data analytics to lower credit barriers for SMEs and previously excluded populations, and (2) leverage digital-financial literacy as a driver for broader economic resilience. The results confirm that for Morocco, digital maturity is the key to reconciling turnover expansion with robust insolvency mitigation.