Over the last few decades, Morocco has been undergoing a strong and fast water demand increase due to demographic upsurge, irrigated agriculture expansion, flourishing foreign trade and changing standard of living and lifestyles. The continued increase of water demand has imposed a height...

The digital divide within the financial sector, closely intertwined with the rapid evolution of financial technologies, commonly known as "FinTech," has fundamentally reshaped the landscape of financial services. These innovations have ushered in novel avenues for accessibility, enhancing the...