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Efficiency of Retail Banking Internationalization Strategy: The Case of Moroccan Banks in Africa. A Structural Equation Modeling Approach
[Efficience de la stratégie d'internationalisation de la banque de détail : Le cas des banques marocaines en Afrique. Approche par les équations structurelles]

Author

Listed:
  • Rachid Maghniwi

    (UM5 - Université mohamed 5, Rabat)

  • Mustapha Oukassi

    (UM5 - Université mohamed 5, Rabat)

Abstract

This study examines the effectiveness of Moroccan retail banks' internationalization strategy in Africa. Using Structural Equation Modeling (SEM), we analyze key factors influencing the success of this international expansion. The study covers 5 major Moroccan banks operating in 15 African countries from 2014-2023. Results reveal that local adaptation, technological innovation, risk management, and competitive advantages significantly influence performance, with local adaptation and technological innovation showing the strongest impact. This research enhances our understanding of banking internationalization dynamics in the African context and provides practical implications for financial institutions' expansion strategies.

Suggested Citation

  • Rachid Maghniwi & Mustapha Oukassi, 2024. "Efficiency of Retail Banking Internationalization Strategy: The Case of Moroccan Banks in Africa. A Structural Equation Modeling Approach [Efficience de la stratégie d'internationalisation de la ba," Post-Print hal-04791922, HAL.
    • Handle: RePEc:hal:journl:hal-04791922
    DOI: 10.5281/zenodo.14170208
    as

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