Banques, fintechs, IA : qui réussira à bancariser les Marocains ? I Les Décodeurs

With Ismail Bargach, co-founder of WafR, and Hicham Amadi, CEO of Toogo Banks, fintechs, AI: Who will succeed in bringing banking services to Moroccans? For several years, Morocco has displayed a strong ambition: to make financial inclusion a driver of economic and social development. Between the widespread adoption of mobile payments, the rise of fintechs, the digitalization of public services, and the national strategy led by Bank Al-Maghrib, the indicators seem to be improving. Yet, behind the announcements and innovations, one reality remains: cash continues to dominate usage, and nearly one in two adults remains outside the formal financial system. The Kingdom now faces a paradox: a highly digitally connected population that is still insufficiently banked. The issue is no longer just technological; it has become economic, cultural, and social. Will the clickless web ruin the global press? Why are the media attacking AI giants? On Monday in Marseille, at the World Press Congress, the head of The New York Times, A. G. Sulzberger, uttered a phrase that perhaps sums up the greatest challenge of artificial intelligence: "You are what you eat." Behind this statement lies a direct accusation: for years, AI giants have been feeding off the content produced by journalists without compensating them. For years, the model was relatively simple. A reader typed a search into Google, clicked on an article, and visited the newspaper's website. This traffic allowed media outlets to sell advertising or convince readers to subscribe. Today, AI is completely changing the rules of the game. When you ask a chatbot, "What's happening in the Middle East?" or "Which Moroccan players have been selected for the World Cup?", the AI ​​gives you a direct answer. You no longer necessarily need to click on a media outlet. This is called the "no-click web." A revolution that promises faster access to knowledge, but raises a fundamental question: if AI uses information without funding those who produce it, who will still pay for investigations, reporting, and the search for truth? 8:20/9:20: Express debates on current events