00:00:00 - Introduction: Digital Payments in Morocco

00:01:20 - Guests Introduction & Expertise

00:04:07 - Why Morocco is Moving Away from Cash

00:09:03 - User Adoption: Trust and Incentives for Digital Payments

00:13:28 - Morocco’s Digital Payment Landscape vs. The World

00:16:18 - The Reality of Payment Methods in Morocco (Cards, Instant Transfer)

00:19:27 - The Hidden Cost: Payment Settlement Delays

00:23:46 - Developer Story: Integrating Local Payments (YouCan, Payzone, CMI)

00:38:53 - Developer Story: Integrating International Payments (Stripe, Paddle, etc.)

00:41:40 - Top International Payment Solutions for Moroccan Businesses

00:50:22 - How Payment Gateways Work & The End of CMI’s Monopoly

01:01:07 - The Future is Here: The E-Dirham (Moroccan CBDC) Explained

01:11:33 - Mobile Wallet vs. Mobile Payment: What’s the Difference?

01:20:05 - The Complexity of Building a Payment Gateway

01:29:51 - Case Study: Using Smart Contracts for B2B Payments

01:42:51 - The Future Outlook for Fintech in Morocco

01:49:08 - Final Advice for Developers and Entrepreneurs

01:53:28 - A Key Resource: The Morocco Fintech Center