The Kingdom of Morocco is the most westerly of the North African countries. It has Atlantic and Mediterranean coastlines, and a rugged mountain interior. Link to external site : Website for Morocco |  |
| Wallets | |
| Development | Secondary Emerging |
| Send or Receive |
Receive Register/Log In |
| GDP ($m) |
75,118.77 Register/Log In |
| HDI classification | Medium |
| Mobile Connections (m) |
37.100 Upgrade to Bronze |
| Currency | MAD |
| Class | |
| CountryISO | MA |
| Sovereignity | Country |
| Territory of | - NA - |
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{"type":"PieChart","data":[["Operator","Connections"],["Maroc Telecom (Vivendi)",17000000],["Meditel",12000000],["inwi",8100000]],"options":{"title":"Connections","is3D":true}}
{"type":"ColumnChart","data":[["Year","Connections"],["Q4 2000",3115277],["Q4 2001",4813000],["Q4 2002",6201000],["Q4 2003",7274000],["Q4 2004",9130000],["Q4 2005",12823300],["Q4 2006",15860700],["Q4 2007",19992000],["Q4 2008",22688000],["Q4 2009",25310000],["Q4 2010",29203671],["Q4 2011",31896257],["Q4 2012",34028658],["Q4 2013",35749269],["Q4 2014",37170516]],"options":{"title":"Connections"}}
| Channel Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["ATM",1],["Agent",1],["Mobile",2]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| COT Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Bank",2],["MNO",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Persona Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["MM",1],["MT",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Products |
{"type":"ColumnChart","data":[["Category","Initiatives"],["DMT",1],["IMT",1],["MM",1],["MP",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| PI Analysis |
{"type":"ColumnChart","data":[["Category","Initiatives"],["Card",1],["Wallet",1]],"options":{"title":"Initiatives ( 2 of 2 )"}} |
| Central Bank | |
| Key Regulations | |
| Type of law |
Hybrid Upgrade to Bronze |
| Legal System |
Mixed legal system of civil law based on French law and Islamic law; judicial review of legislative acts by Supreme Court Upgrade to Bronze |
| Law is based on | |
| Approach |
Short leash Upgrade to Bronze |
| Sectors active in Digital Money | |
| Exclusivity | |
| Certainty | |
| Openness | |
| Proportionate? | |
| Allowed Models |
NB Led Upgrade to Bronze |
| DominantModel |
Jointly Led Upgrade to Bronze |
| E-Money | |
| Payment | |
| Agent | |
| Money Transfer | |
| Taxation |
{"type":"Gauge","data":[["Label","Value"],["Mobile Penetration",80.28],["Banked",28],["Internet",24],["Urban",56],["Adult",71],["Literate",55.576]],"options":{"scaleHeight":0.5,"min":0,"max":100,"redFrom":76,"redTo":100,"yellowFrom":26,"yellowTo":74}}
| Population m | 30.86 |
| Adult % | 71.00 |
| Migrants % |
0.15 Register/Log In |
| Stock Immigrants ('000) |
49.10 Upgrade to Bronze |
| Emigration Rate % | |
| Internal Migrants ('000) |
6,800.00 Upgrade to Bronze |
| Internal Migration Rate % |
33.40 Upgrade to Bronze |
| Intl Movement Rate % | |
| Urban % | 56.00 |
| Female % | 49.90 |
| Literate % | 55.58 |
| Annual Growth % |
-4.50 Upgrade to Bronze |
| Mobile Penetration % | 80.28 |
| Banked % | 28.00 |
| Access to FS % | 28.00 |
| Internet % | 24.00 |
| Branches per 100k adults | 29.72 |
| ATMs per 100k adults | 16.65 |
| POS per 100k adults | 45.87 |
| Prepaid % | 96.50 |
| Prepaid SIM Registration | |
| MobileUnbanked (m) | 17.84 |
| Monthly ARPU |
10.15 Upgrade to Bronze |
| Cards 2010 ('000) | |
| Propensity % |
| Overall | |
| Population | |
| On Remittance Sent | |
| On Remittance Received | |
| Mobile Unbanked | |
| Migrant % | |
| MP % | |
| Banked % | |
| Development |
| Can Provide Payments? | |
| Can Market under Brand? | |
| Can issue E-Money? | |
| Can Open Customer Account? | |
| Can Own Customer? | |
| Can do Cash In/Cash Out? | |
| Can offer Domestic Money Transfer? | |
| Can offer International Money Transfer? |
| Importance for Digital Money | |
| Digital Money Adoption |
Prime Candidate Upgrade to Bronze |
| Registered Wallet Users | |
| Top Wallets | |
| Informal Market | |
| Cost To Remit | |
| Key Players |