AI as a Managerial Transformation Lever in Banking Risk Management: An Exploratory analysis of the Moroccan context

Abstract

Artificial Intelligence (AI) stands today at the heart of global economic and financial transformations. It represents a major innovation that is reshaping traditional management models and redefining the strategies of economic actors. Its impact is particularly significant in the banking sector, where integration of AI technologies has become essential to enhance performance, competitiveness, and institutional resilience. In a context of accelerated digitalization, Moroccan banks are increasingly required to adopt advanced technological tools to anticipate and manage the growing complexity of financial risks.

The purpose of this research is to analyze the various applications of AI, considered as a complex digital technology, in banking risk management within Morocco. Through a qualitative exploratory approach—based on interviews conducted with managers from three major Moroccan banks and an in-depth literature review—this study examines the contribution of AI to credit scoring, fraud detection, regulatory compliance, and overall risk assessment.

The findings reveal that AI is gaining a central role in banking decision-making processes. The substantial investments made in this field reflect a strong commitment to sustainable integration. AI enables banks to achieve significant savings in time and cost, mitigate losses, better anticipate emerging risks, and maintain financial stability. This study thus highlights the strategic importance of AI as a key driver of innovation and transformation within the Moroccan banking system, while also opening new perspectives for research on digital risk management and financial technology adoption in emerging economies.

Classification JEL: G32, M15

Paper type: Empirical Research