Advances in Emerging Financial Technology and Digital Money

The financial sector is witnessing rapid technological innovations, leading to the emergence of Fintech (financial technologies), revolutionizing national and international financial landscapes. Fintech is expanding and enhancing financial products and services, making them more accessible and affordable while transforming customer relationships, payment methods, financing, and transfers.

Advances in Emerging Financial Technology and Digital Money provides a platform for collective reflection, bringing together institutions, policymakers, digital and financial service providers, professionals, and academics from various disciplines. The aim is to clarify the challenges, opportunities, and socio-economic impacts of innovations in finance and technology on citizens and businesses in Morocco, Africa, and worldwide. This comprehensive collection offers valuable insights into the current state and prospects of financial technology and digital money.

This book covers all the essential topics, including:

• AI and Machine Learning in Fintech and Beyond
• Financial Inclusion, Literacy, and Behavior
• Fintech Ecosystems, Collaboration, and Analysis
• Blockchain, Security, and Sustainability
• Fintech Innovations and Applications

In this new book, the authors share their experiences to provide a comprehensive and well‑researched overview of the technologies and concepts that will transform the banking industry as we know it. It aspires to be a useful reference for executive managers, CIOs, Fintech professionals, and researchers interested in exploring and implementing an efficient Fintech strategy. The book also presents selected papers from International Fintech Congress (IFC 2022).

Yassine Maleh is a double Ph.D. in computer sciences from the University Hassan 1st, Morocco since 2013, and a second Ph.D. in Management from the National School of Business and Management, Settat, Morocco, since 2022. He is a professor of Cybersecurity and IT Governance at the National School of Applied Sciences, Khouribga, Morocco, and was a former IT Service Manager at the National Port Agency, Morocco. He is a Senior Member of IEEE, Member of the International Association of Engineers IAENG, and The Machine Intelligence Research Labs. Dr. Maleh has contributed to information security and privacy, Internet of Things Security, Wireless and Constrained Networks Security. His research interests include Information Security and Privacy, Internet of Things, Networks Security, Information system and IT Governance. He has published over than 140 papers (Book chapters, international journals, and conferences/workshops), 30 edited books, and 5 authored books. He is the editor-in-chief of the International Journal of Information Security and Privacy (IJISP). He is an Associate Editor for IEEE, the International Journal of Digital Crime and Forensics (IJDCF).

Justin Zhang is a faculty member at the Coggin College of Business at the University of North Florida. He received his Ph.D. in Business Administration with a concentration on Management Science and Information Systems from Pennsylvania State University, University Park. His research interests include economics of information systems, knowledge management, electronic business, business process management, information security, and social networking. He is the Editor-in-Chief of the Journal of Global Information Management, an ABET program evaluator, and an IEEE senior member.

Abderrahim Hansali, PhD in Economics and Management, graduate of the Institut Supérieur de l'Administration in Rabat and ENA in Paris, and Agrégé de l'Electronique et de l'Informatique Industrielle at ENSET in Rabat, is currently a Research Teacher at ENCG in Marrakech and a consultant in digital strategies and change management. His career began as a founding teacher of BTS preparatory classes in Morocco. After working for the Agence Nationale de Réglementation des Télécommunications in Rabat on the implementation of a quality management system (2007) and as an auditor for the Inspectorate General of the Ministry of National Education (2008), he was appointed Deputy Director & National Coordinator of the GENIE program within the same Ministry (2009), where he helped set up the Laboratoire National des Ressources Numériques. Since 2016, he has taken up teaching and research duties in management sciences at Cadi Ayyad University in Marrakech.

In 2014, he set up the FONDATION MAROC NUMERIQUE, a non-governmental organization dedicated to supporting digital strategies and promoting a citizen digital culture. In 2019, he helped set up ACISS (African Center for Innovative Sustainable Solutions) at Cadi Ayyad University in Marrakech.