Usage du cash au Maroc
Role des caracteristiques sociodemographiques
DOI :
https://doi.org/10.23882/emss26261Mots-clés :
Cash, Comportement de paiement, Caractéristiques sociodémographiques, MarocRésumé
Malgré la progression des moyens de paiement électroniques, le cash demeure le moyen de paiement dominant au Maroc, ce qui interroge le rôle des caractéristiques sociodémographiques dans les comportements de paiement des individus. Cet article analyse l’usage du cash en se focalisant sur les caractéristiques sociodémographiques. L’analyse s’appuie sur des données issues d’une enquête par questionnaire menée auprès de 638 individus bancarisés, responsables des décisions financières de leur ménage, et analysées à l’aide d’un modèle de régression logistique. Les résultats indiquent que l’usage du cash dépend étroitement des profils sociodémographiques des individus, mettant en évidence une hétérogénéité marquée des comportements de paiement au sein de la population marocaine. L’étude contribue à une meilleure compréhension des déterminants sociodémographiques de l’usage du cash et fournit des éléments utiles pour orienter les politiques favorisant une adoption inclusive et progressive des moyens de paiement électroniques.
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(c) Tous droits réservés Abderrahim RHAFEL, Mustapha ZIKY , Anas LIMAM 2026
Ce travail est disponible sous licence Creative Commons Attribution - Pas d’Utilisation Commerciale 4.0 International.
