Digital Transformation of The Moroccan SSE: AI and Blockchain at the Service of Social Innovation

Abstract : This study examines the impact of artificial intelligence (AI) and blockchain on the Social Solidarity Economy (SSE) in Morocco, in a context where digitalisation represents both an opportunity and a challenge for this key sector. Using a mixed methodology combining a quantitative survey (41 SSE structures) and qualitative interviews (20 players), we analyse the adoption rates, benefits and obstacles associated with these technologies. The results show that adoption is still limited, but promising: 28% of organisations are using AI, mainly for stock management and data analysis, while 12% are using blockchain, particularly for the traceability of local produce. These technologies are significantly improving operational efficiency (30% reduction in administrative costs), transparency (+45%) and beneficiary satisfaction (+22%). However, major obstacles remain, such as the lack of technical skills (67%), investment costs (58%) and connectivity problems in rural areas (42%). To maximise this potential, we recommend training adapted to local realities, the creation of funds dedicated to social innovation, and the strengthening of public-private partnerships for inclusive infrastructures. In conclusion, this research highlights that AI and blockchain can strengthen the Moroccan SSE, provided that a balanced approach is adopted, combining innovation and respect for socio-cultural specificities. It also opens up avenues for future research into hybrid models integrating technologies and traditional know-how.