A Comprehensive Literature Review on the Role of PayTechs as Pivotal Drivers in the Digital Transformation of Inclusive Financial Systems in Morocco: Implications for Economic Accessibility and Technological Innovation

Digitalization plays a crucial role in today’s world, especially with the rise of Fintechs within the financial ecosystem. Mobile money has been instrumental in advancing financial inclusion, particularly in sub-Saharan Africa. PayTechs, which focus on payment technologies and solutions, serve as a key driver of change by providing underserved populations, particularly in rural areas, with access to essential financial services. This research aims to explore the potential positive relationship between the development of PayTechs and the growth of financial inclusion in Morocco. A comprehensive literature review will be conducted, covering the emergence of PayTechs, their history, various definitions, and the different perspectives surrounding them.