54 PERSPECTIVES ON BUSINESS AND ECONOMICS | VOL 42 | 2024 Moroccan central bank and regulator launch M-wallet mobile payment platform (2018, November 15). Telecompaper. Moroccan Foundation for Financial Education. (n.d.). Mission et stratégie [Mission and strategy]. Murray, S. (2023, December 15). How mobile money fosters financial inclusion. Knowledge at Wharton. Ndoye, A., & Barajas, A. (2022). Financial inclusion. In R. Cardarelli, M. Vera-Martín & S. Lall (Eds.), Promoting inclusive growth in the Middle East and North Africa: Challenges and opportunities in a post-pandemic world, pp. 103–117. International Monetary Fund. Ocampos, L. (2023). Financial inclusion in Morocco. In R. Cardarelli, & T. Koranchelian (Eds.), Morocco’s quest for stronger and inclusive growth, pp. 183–195. International Monetary Fund. Oxford Business Group. (n.d.). Morocco's retail sector driven by urbanisation and rising household consumption. Panamax Inc. (2023, June 12). The current scenario of agency banking in developing nations: A catalyst for financial inclusion. Priollaud, S., & Soudi, N. (2022). SDG Digital Finance Ecosystem (SDFE) assessment for Morocco. United Nations Development Programme. Ruiz Ortega, C., Randall, D., Sarah Yan Xu, & Zottel, S. (2014). Enhancing financial capability and inclusion in Morocco: A demand-side assessment. World Bank Group. Soudi, N. (2022). Financial inclusion refresh – 2022. United Nations Development Programme and Bank Al-Maghrib. Stephens, B., & Khemar, M. Global microfinance figures: What are the trends? Convergences. United Nations Conference on Trade and Development. (2018). Voluntary peer review of consumer protection law and policy: Morocco. United Nations. UNSGSA. (2023a, April 5). Moroccan start-up Chari facilitating digital transformation and financial inclusion for mom-and-pop shop owners. United Nations. UNSGSA. (2023b, April 12). Morocco has opportunity to harness digital payments, fintech, and green finance to expand financial inclusion. United Nations. Vodafone Group. (n.d.). What is M-PESA? World Bank. (2017). The Global Findex Database 2017. World Bank Data. World Bank. (2021). The Global Findex Database 2021. World Bank Data. World Bank. (2022). Financial inclusion: Overview. World Bank Group. World Savings and Retail Banking Institute. (2020). An opportunity for the banking sector to work with informal savings groups in Morocco. BEN MURPHY-SCHMEHL graduated with a B.S. in economics and a minor in global studies with highest honors from Lehigh University in 2024. At Lehigh, Ben worked as a peer tutor and tour guide and for the Office of Sustainability. As an Eckardt Scholar, Ben completed an honors thesis in experimental economics. Professionally, Ben has interned for PennEnvironment, Juno Capital Partners, and Bethlehem’s Rising Tide Community Loan Fund, an experience that cemented his interests in inclusive finance. Ben is currently working as an associate product analyst at Moody’s Analytics and has ambitions to pursue higher education in economics.
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