Hicham Sadok

Mohammed V University | um5a · Economics and Business

This article teases out the ramifications of artificial intelligence (AI) use in the credit analysis process by banks and other financing institutions. The unique features of AI models, coupled with the expansion of computing power, make new sources of information (big data) available for creditworthiness assessments. Combined, the use of AI and bi...

Corruption secures benefits for those with power, status, money, or protection. Corruption generally manifests itself in the form of a tacit convention that is put in place discreetly, gradually, and cumulatively by feeding itself and secreting its own rules, mechanisms, and intermediaries. In Morocco, social tolerance towards corruption is strong,...

Les changements climatiques sont certes un phénomène mondial causé essentiellement par l'ensauvagement du capital, mais ses effets néfastes sont plus durement ressentis par les populations fragiles. Ainsi, la pauvreté et la dégradation de l'environnement sont étroitement liées dans un cercle vicieux. D'une certaine manière, la pauvreté contribue à...

The rapid pace of digitalization and technological innovation is ushering in profound economic and societal changes. This ongoing digital transformation, accelerated by the advent of artificial intelligence, big data, and robotics, presents both opportunities and challenges for all stakeholders in society. From amanagerial perspective, the top stra...

The rapid pace of digitalization and technological innovation is ushering in profound economic and societal changes. This ongoing digital transformation, accelerated by the advent of artificial intelligence, big data, and robotics, presents both opportunities and challenges for all stakeholders in society. From amanagerial perspective, the top stra...

Background This study aims to contribute to a better understanding of the impact of the financial technologies (fintech) era on the performance in the banking sector, measured through non-performing loans (NPL) and their coverage by provisions for NPL. It is a question of knowing whether banking investment in fintech makes it possible to better eva...

The digital trans-formation of banks is not just a trend, it responds to the new structural and strategic challenges facing the sector. However, on this transformation path, the bank still faces competition from shadow banking and digital transformation obstacles. This article aims to present a brief synthesis of the literature on the main developm...

With population growth, industrial expansion, and increased energy demand intensifying pollution, Morocco is suffering from a shortage of fossil fuels, urgently calling for climate intervention to stimulate the imperative reduction of its carbon footprint. Indeed, the country has realized that it is time to monitor its environmental indicators such...

Ce livre envisage une contribution à élucider la dialectique du financement par fonds propres et la préservation du pouvoir décisionnel. Il consiste à comprendre la capacité d’autodétermination financière des PME patrimoniales à l’égard du pouvoir. En d’autres termes, elle cherche à savoir, à l’aune des révolutions managériales, sociologiques, fina...

Patents represent one of the most important indicators of the innovation process. The challenge of this study is to identify the factors favouring the filing of patents by the industry during the analysis of the cases of three countries in the Middle East and North Africa (MENA) region, namely Morocco, Tunisia and Egypt, during the period 2012–2021...

As part of digital transformation, several States are investing in information and communication technologies (ICT), and more generally in digital technology, to improve inclusion and therefore development. However, the return on this investment is not always studied and evaluated in order to learn from it and improve avenues for reflection and dec...

Digital transformation, combining advanced technologies and innovative processes, represents a major revolution in the managerial landscape of companies, likely to stimulate growth and efficiency. However, the obstacles to this transformation are numerous and interrelated. The objective of this article is to shed light on the nature of these obstac...

Dans le cadre de la transformation digitale, plusieurs États investissent dans les technologies de l'information et de la communication (TIC), et plus généralement dans le digital, pour améliorer l'inclusion et donc le développement. Cependant, le retour sur cet investissement n'est pas toujours étudié et évalué pour pouvoir en tirer des leçons, et...

Les brevets représentent l'un des indicateurs les plus proéminents du processus de l'innovation. L’objectif de cette étude est d’identifier les facteurs favorisant le dépôt des brevets par l’industrie lors de l’analyse de cas de trois pays de la région MENA, à savoir, le Maroc, la Tunisie et l’Egypte, au cours de la période 2012-2021. Il sera quest...

Ce manuel d'économie monétaire et financière s’adresse en priorité aux étudiants en économie gestion et aux lecteurs soucieux de culture générale en monnaie, banque et finance. Il revient sur les diverses dimensions de monnaie, d'économie et de finance de marché qui se complètent et qui s’éclairent mutuellement. Sa contextualisation pour le cas Mar...

Cet article a pour objectif de rappeler les principaux débats portants sur la relation entre la consommation d’énergie et la croissance économique, tout en essayant d’appréhender le caractère de cette relation en analysant la causalité entre ces deux variables dans le contexte marocain. La question lancinante consiste { savoir si la consommation d’...

This study undertakes a comprehensive bibliometric analysis of war and terrorism Insurance research spanning from 1914 to 2018. Leveraging tools such as Scopus and VOSviewer, the analysis involves 56 papers to unveil evolving trends and scholarly contributions. Collaborative network maps are employed to illuminate influential authors, top journals,...

The world of work is at the dawn of major transformations and is still poorly prepared for it. The current uncertainties on the consequences of the combined development of artificial intelligence (AI) and big data are gradually dissipating by impacting a few business processes in the hope of a future improvement in organizational productivity and s...

This study undertakes a comprehensive bibliometric analysis of war and terrorism Insurance research spanning from 1914 to 2018. Leveraging tools such as Scopus and VOSviewer, the analysis involves 56 papers to unveil evolving trends and scholarly contributions. Collaborative network maps are employed to illuminate influential authors, top journals,...

Digital transformation is one of the major challenges thrown up with the technological and societal evolution of recent years. It represents an interesting research area nowadays, especially with its increasing number of papers in this field. However, the current literature approaches the implementation of digital transformation in a fragmented way...

Initial Coin Offerings (ICOs) have established themselves since 2017 as an attractive alternative for financing innovative companies. However, these new modes of financing from the world of blockchain technology have a very volatile return on investment (ROI) in the short term, and very ambivalent in the medium and long term: 90% of ICOs issued sin...

Purpose The purpose of this article is to articulate a view of digital transformation (DT) implementation and proposes a framework linking digital transformation strategy (DTS) and business model innovation (BMI), often treated separately. Design/methodology/approach Through the analysis of the DTS model and the literature of the BMI model, this w...

Mainstream economists admit that when inflation gets too high, it negatively impacts economic growth. But at what level this threshold is too high? The aim of this study is to estimate an inflation threshold in the relationship between growth and inflation in Morocco. The analysis of quarterly data from 2000 to 2019 using the threshold model reveal...

As a disruptive paradigm, especially with the Covid-19 emergence, digital transformation (DT) becomes a main area of interest for many organizations. From a trend perception to an obligation, digital transformation implementation requires many changes, adaptations, and updates. Its success depends on many levers, the most important of which remains...

This article maps the changing global conversation on virtual currencies (VCs) internationally And brings that to bear on the development of a suitable regulatory framework for VCs in the United Arab Emirates (UAE). Through a review of recent international developments, the article notes a reversal in regulatory attitude towards VCs. This review su...

Determining cash holdings is amongst the most important financial decisions made by heads of corporations. This decision relies on theoretical convictions and views as well as firm specific characteristics. This article analyzes the determinants of cash management in Moroccan corporations. By mobilizing all the theories of optimal financial structu...

Purpose This paper aims to situate virtual currencies (VCs) in a landscape of regulatory questions that help orient the direction and purpose of a possible legal approach, vis-à-vis this relatively recent technological and financial phenomenon. Design/methodology/approach The triangulation of historical overview and comparative examination of regu...

Purpose: This article aims to examine the relationship between agency costs related to managerial discretion and cash holdings by Moroccan companies. In order to do this we will mobilize both agency theory and free cash flow theory. To date, and to our knowledge, no research has been conducted on the cash flow of Moroccan companies in the light of...

La thématique de ce numéro de la Revue Marocaine des Sciences Politiques et Sociales qui porte sur une réflexion autour du « modèle marocain de développement », nous interroge sur les insuffisances des réalisations, ainsi que les politiques et stratégies économiques qui conviendraient pour ce 21ème siècle. Les articles sont issus de réflexions mené...

Objective - This paper aims to examine the relationship between exchange rates and trade balance in Morocco, to investigate whether the Marshall-Lerner condition and J-curve exist. Methodology/Technique - This paper attempts to identify the relationship between the real exchange rate and trade balance in Morocco between 2000 an 2015. Findings - His...

Nowadays information technology (IT) has evolved from its traditional orientation of administrative support toward a more strategic role within an organization. But, there is still a lack of frameworks and models to measure this new strategic orientation of IT. To remain competitive, firms should align their IT and Business strategy. A number of al...

Influenced by the impacts of globalization, the surfacing of newer technologies and emergence of new players in the market of financial services, banks are seeking to adopt newer solutions not only to establish their services, but also to contribute to their branding. The adoption of e-banking becomes necessary for banks that wish to maintain their...