Islamic FinTech and Financial Inclusion in Morocco: Perceptions, Uses and Prospects

Islamic FinTech is considered a potential lever for financial inclusion. This study identifies the factors that hinder or promote its development in Morocco. Using a mixed methodology, an online questionnaire was completed by 70 professionals from the financial, technological, institutional and academic sectors. Quantitative data were processed using SPSS, while responses to open-ended questions were analysed thematically using the framework proposed by Braun and Clarke (2006). This dual approach demonstrates the potential of Islamic FinTech in Morocco in terms of inclusion, particularly among entrepreneurs and women. The results point to barriers to adoption, including limited financial education, inadequate regulation and limited user confidence linked to technological reliability and compliance with religious principles.