International Journal Of Applied Management And Economics
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The adoption of online banking services in Morocco : A review of literature
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Moroccan banks continue to make great efforts to promote the use of online banking. However, some customers continue to use only traditional banking services. In fact, there is a reluctance to use online banking. This article examines the adoption of online banking in Morocco, with the aim of identifying barriers to its use. Our research reveals that the intention to use online banking is influenced by several factors, including perceived ease of use, perceived usefulness, attitudes towards online banking, trust, service quality and perceived risk. We contribute to the literature on online banking adoption. The theoretical and managerial implications of this article are substantial, highlighting the key factors that influence the choice to use online banking.
Keywords: Ease of use, Intention to use, Online banking, Perceived usefulness, TAMAbstract
Moroccan banks continue to make great efforts to promote the use of online banking. However, some customers continue to use only traditional banking services. In fact, there is a reluctance to use online banking. This article examines the adoption of online banking in Morocco, with the aim of identifying barriers to its use. Our research reveals that the intention to use online banking is influenced by several factors, including perceived ease of use, perceived usefulness, attitudes towards online banking, trust, service quality and perceived risk. We contribute to the literature on online banking adoption. The theoretical and managerial implications of this article are substantial, highlighting the key factors that influence the choice to use online banking.
Keywords: Ease of use, Intention to use, Online banking, Perceived usefulness, TA
Crisis Management and Communication in Moroccan SMEs: Analysis using the Processual Approach
Full text linkAbstract:
Today, companies are faced with a myriad of complex challenges, underlining the crucial importance of effective management and appropriate communication to effectively resolve emerging issues. In this context, our study aims to understand the various perceptions of crises and analyzes the management and communication strategies adopted in such circumstances according to a process-oriented approach.
We explore how Moroccan small and medium-sized enterprises (SMEs) improve their crisis management and communication in crisis situations. Our qualitative methodology is based on a comprehensive exploratory study structured around four distinct case studies, providing a coherent overview.
The results indicate that crisis management encompasses multiple approaches, requiring adapted communication and flexibility in the implementation of strategies to overcome challenges. The crisis management and communication process approach allow managers to understand, communicate and manage difficult situations according to a well-structured framework.
These findings could also guide decision-makers toward effective strategic and operational solutions to contemporary challenges.
this research can make a significant contribution to improving crisis management and communication practices within Moroccan SMEs, which face complex and changing environments. By deepening our understanding of these processes, we hope to foster resilience and adaptive capabilities, thereby strengthening the competitiveness and sustainability of Moroccan SMEs.
Keywords : communication, SME, crisis management, communication strategies, Morocco.Abstract:
Today, companies are faced with a myriad of complex challenges, underlining the crucial importance of effective management and appropriate communication to effectively resolve emerging issues. In this context, our study aims to understand the various perceptions of crises and analyzes the management and communication strategies adopted in such circumstances according to a process-oriented approach.
We explore how Moroccan small and medium-sized enterprises (SMEs) improve their crisis management and communication in crisis situations. Our qualitative methodology is based on a comprehensive exploratory study structured around four distinct case studies, providing a coherent overview.
The results indicate that crisis management encompasses multiple approaches, requiring adapted communication and flexibility in the implementation of strategies to overcome challenges. The crisis management and communication process approach allow managers to understand, communicate and manage difficult situations according to a well-structured framework.
These findings could also guide decision-makers toward effective strategic and operational solutions to contemporary challenges.
this research can make a significant contribution to improving crisis management and communication practices within Moroccan SMEs, which face complex and changing environments. By deepening our understanding of these processes, we hope to foster resilience and adaptive capabilities, thereby strengthening the competitiveness and sustainability of Moroccan SMEs.
Keywords : communication, SME, crisis management, communication strategies, Morocco
How The Concept Of Buying Local Products Impact Organic Food Products Purchasing Desicions In Emerging Markets: A Theoretical Perspective
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There is a growing demand for organic food products, given consumers are gaining interest in preserving their health and the environment. Many researchers have assessed the changing attitudes towards organic products. Additionally, the consumption behaviour in emerging markets is shifting to local products. This research aimed to establish if the concept of consuming locally produced products, even if not necessarily certified organic, impacted the intention to purchase locally produced organic food. The specific objectives were to: Examine the consumers’ awareness and perception of the concept of buying locally produced products in emerging markets; Explore consumer preferences and buying behaviour towards locally produced products; and to establish consumers’ preferences towards locally produced organic foods. The study applied the theory of planned behaviour to explore the topic through content analysis of published literature and established a high probability of the ‘buy local build local’ concept impacting positive influences to purchasing local organic foods in emerging markets if marketing imperfections are eliminated. However, the research established a dearth of literature directly covering this topic thus recommends an extensive primary study on the subject.
Keywords: organic food products, buying local, emerging markets.Abstract
There is a growing demand for organic food products, given consumers are gaining interest in preserving their health and the environment. Many researchers have assessed the changing attitudes towards organic products. Additionally, the consumption behaviour in emerging markets is shifting to local products. This research aimed to establish if the concept of consuming locally produced products, even if not necessarily certified organic, impacted the intention to purchase locally produced organic food. The specific objectives were to: Examine the consumers’ awareness and perception of the concept of buying locally produced products in emerging markets; Explore consumer preferences and buying behaviour towards locally produced products; and to establish consumers’ preferences towards locally produced organic foods. The study applied the theory of planned behaviour to explore the topic through content analysis of published literature and established a high probability of the ‘buy local build local’ concept impacting positive influences to purchasing local organic foods in emerging markets if marketing imperfections are eliminated. However, the research established a dearth of literature directly covering this topic thus recommends an extensive primary study on the subject.
Keywords: organic food products, buying local, emerging markets
Évolution des dynamiques et disparités territoriales au Maroc (2015-2023) : Une analyse économétrique des régions Fès-Meknès et Casablanca-Settat
Full text linkRésumé
L'étude des dynamiques et des disparités territoriales au Maroc est cruciale pour comprendre les variations de développement économique et social entre les différentes régions du pays. Comme de nombreux pays en développement, le Maroc présente des écarts significatifs entre ses régions en termes de richesse, d'infrastructure et d'accès aux services publics. Cette étude vise à analyser ces disparités à travers une approche économétrique en se concentrant sur les régions de Fès-Meknès et Casablanca-Settat. En utilisant des données de 2015 à 2023, nous appliquons divers modèles économétriques pour identifier les facteurs clés influençant ces disparités. Les résultats montrent des différences marquées dans les taux de chômage, l'urbanisation et les investissements publics entre les deux régions étudiées, offrant ainsi des pistes pour des politiques publiques ciblées afin de réduire ces écarts.
Mots-clés : Disparités territoriales, développement économique, Maroc, Fès-Meknès, Casablanca-Settat, économétrie.
Abstract
The study of territorial dynamics and disparities in Morocco is crucial for understanding the variations in economic and social development between the country's different regions. Like many developing countries, Morocco exhibits significant gaps between its regions in terms of wealth, infrastructure, and access to public services. This study aims to analyze these disparities through an econometric approach focusing on the regions of Fès-Meknès and Casablanca-Settat. Using data collected between 2015 and 2023, we apply various econometric models to identify key factors influencing these disparities. The results show marked differences in unemployment rates, urbanization, and public investments between the two regions studied, thus offering insights for targeted public policies to reduce these gaps.
Keywords: Territorial disparities, economic development, Morocco, Fès-Meknès, Casablanca-Settat, econometrics.Résumé
L'étude des dynamiques et des disparités territoriales au Maroc est cruciale pour comprendre les variations de développement économique et social entre les différentes régions du pays. Comme de nombreux pays en développement, le Maroc présente des écarts significatifs entre ses régions en termes de richesse, d'infrastructure et d'accès aux services publics. Cette étude vise à analyser ces disparités à travers une approche économétrique en se concentrant sur les régions de Fès-Meknès et Casablanca-Settat. En utilisant des données de 2015 à 2023, nous appliquons divers modèles économétriques pour identifier les facteurs clés influençant ces disparités. Les résultats montrent des différences marquées dans les taux de chômage, l'urbanisation et les investissements publics entre les deux régions étudiées, offrant ainsi des pistes pour des politiques publiques ciblées afin de réduire ces écarts.
Mots-clés : Disparités territoriales, développement économique, Maroc, Fès-Meknès, Casablanca-Settat, économétrie.
Abstract
The study of territorial dynamics and disparities in Morocco is crucial for understanding the variations in economic and social development between the country's different regions. Like many developing countries, Morocco exhibits significant gaps between its regions in terms of wealth, infrastructure, and access to public services. This study aims to analyze these disparities through an econometric approach focusing on the regions of Fès-Meknès and Casablanca-Settat. Using data collected between 2015 and 2023, we apply various econometric models to identify key factors influencing these disparities. The results show marked differences in unemployment rates, urbanization, and public investments between the two regions studied, thus offering insights for targeted public policies to reduce these gaps.
Keywords: Territorial disparities, economic development, Morocco, Fès-Meknès, Casablanca-Settat, econometrics
Intelligence émotionnelle, bien-être psychologique et l’engagement professionnel: Test du rôle médiateur de la satisfaction au travail (cas des enseignants marocains en milieu rural)
Full text linkRésumé
L’engagement des enseignants, souvent perçu comme le niveau de leur implication et de leur enthousiasme dans leurs fonctions, a suscité un intérêt croissant ces dernières années. Cet engagement se manifeste lorsque les enseignants se sentent reconnus et alignés avec les objectifs de l’organisation, les motivant ainsi à fournir des efforts accrus pour contribuer à son succès.
Cette étude vise à analyser en profondeur l’impact de l’intelligence émotionnelle et du bien-être psychologique sur l’engagement des enseignants travaillant au sein des écoles publiques en milieu rural, en considérant la satisfaction au travail comme médiateur.
Le rôle primordial des enseignants dans la concrétisation des objectifs éducatifs est indéniable, car ils jouent un rôle direct dans la formation et le développement des élèves. Il est donc essentiel de comprendre les facteurs qui influencent leur engagement pour améliorer les résultats scolaires dans ces régions.
Les données recueillies proviennent d’une enquête menée auprès de 173 enseignants travaillant dans des écoles publiques situées en milieu rural. L’analyse des données a été réalisée à l’aide du logiciel SmartPLS 4.0. Les résultats de l’étude montrent que l’intelligence émotionnelle, le bien-être psychologique, et la satisfaction au travail ont tous un effet positif significatif sur l’engagement des enseignants dans ces contextes. En d’autres termes, des enseignants satisfaits de leur travail, se sentant en bonne santé mentale et dotés d’une intelligence émotionnelle élevée, sont davantage enclins à s’impliquer pleinement dans leur travail et à contribuer de manière proactive à la réalisation des objectifs éducatifs.
Mots clés: Intelligence émotionnelle, Bien-être psychologique, Satisfaction au travail, Engagement professionnel.
Abstract
Teacher engagement, often perceived as the level of their involvement and enthusiasm in their roles, has garnered increasing interest in recent years. This engagement becomes evident when teachers feel recognized and aligned with the organization’s goals, motivating them to put in extra effort to contribute to its success.
This study aims to thoroughly analyze the impact of emotional intelligence and psychological well-being on the engagement of teachers working in public schools in rural areas, with job satisfaction considered as a mediating factor.
The essential role of teachers in achieving educational goals is undeniable, as they play a direct role in the training and development of students. Therefore, understanding the factors that influence their engagement is crucial to improving educational outcomes in these regions.
The data were collected through a survey conducted among 173 teachers working in public schools located in rural areas. The data analysis was performed using the SmartPLS 4.0 software. The study results indicate that emotional intelligence, psychological well-being, and job satisfaction all have a significant positive effect on teacher engagement in these contexts. In other words, teachers who are satisfied with their jobs, feel mentally healthy, and possess high emotional intelligence are more likely to fully engage in their work and contribute proactively to achieving educational objectives.
Keywords: Emotional Intelligence, Psychological Well-being, Job Satisfaction, Professional commitment.Résumé
L’engagement des enseignants, souvent perçu comme le niveau de leur implication et de leur enthousiasme dans leurs fonctions, a suscité un intérêt croissant ces dernières années. Cet engagement se manifeste lorsque les enseignants se sentent reconnus et alignés avec les objectifs de l’organisation, les motivant ainsi à fournir des efforts accrus pour contribuer à son succès.
Cette étude vise à analyser en profondeur l’impact de l’intelligence émotionnelle et du bien-être psychologique sur l’engagement des enseignants travaillant au sein des écoles publiques en milieu rural, en considérant la satisfaction au travail comme médiateur.
Le rôle primordial des enseignants dans la concrétisation des objectifs éducatifs est indéniable, car ils jouent un rôle direct dans la formation et le développement des élèves. Il est donc essentiel de comprendre les facteurs qui influencent leur engagement pour améliorer les résultats scolaires dans ces régions.
Les données recueillies proviennent d’une enquête menée auprès de 173 enseignants travaillant dans des écoles publiques situées en milieu rural. L’analyse des données a été réalisée à l’aide du logiciel SmartPLS 4.0. Les résultats de l’étude montrent que l’intelligence émotionnelle, le bien-être psychologique, et la satisfaction au travail ont tous un effet positif significatif sur l’engagement des enseignants dans ces contextes. En d’autres termes, des enseignants satisfaits de leur travail, se sentant en bonne santé mentale et dotés d’une intelligence émotionnelle élevée, sont davantage enclins à s’impliquer pleinement dans leur travail et à contribuer de manière proactive à la réalisation des objectifs éducatifs.
Mots clés: Intelligence émotionnelle, Bien-être psychologique, Satisfaction au travail, Engagement professionnel.
Abstract
Teacher engagement, often perceived as the level of their involvement and enthusiasm in their roles, has garnered increasing interest in recent years. This engagement becomes evident when teachers feel recognized and aligned with the organization’s goals, motivating them to put in extra effort to contribute to its success.
This study aims to thoroughly analyze the impact of emotional intelligence and psychological well-being on the engagement of teachers working in public schools in rural areas, with job satisfaction considered as a mediating factor.
The essential role of teachers in achieving educational goals is undeniable, as they play a direct role in the training and development of students. Therefore, understanding the factors that influence their engagement is crucial to improving educational outcomes in these regions.
The data were collected through a survey conducted among 173 teachers working in public schools located in rural areas. The data analysis was performed using the SmartPLS 4.0 software. The study results indicate that emotional intelligence, psychological well-being, and job satisfaction all have a significant positive effect on teacher engagement in these contexts. In other words, teachers who are satisfied with their jobs, feel mentally healthy, and possess high emotional intelligence are more likely to fully engage in their work and contribute proactively to achieving educational objectives.
Keywords: Emotional Intelligence, Psychological Well-being, Job Satisfaction, Professional commitment
The Influence Of Organizational Digitalization On Work Relationships: Exploring Estrangement And Liberation
Full text linkABSTRACT
In today's fast-paced digital age, organizations increasingly embrace technology to streamline operations and boost productivity. While digitalization offers numerous advantages, it also profoundly affects work relationships. This article delves into the multifaceted impact of organizational digitalization on employees' relationships, highlighting both potential estrangement and opportunities for liberation.
Digital tools can create a sense of isolation among employees, as face-to-face interactions are replaced by virtual communication. This shift can lead to feelings of detachment and disconnection, weakening the social fabric of the workplace. Additionally, the constant connectivity and pressure to respond promptly can contribute to stress and burnout, further straining relationships.
Conversely, digitalization also presents opportunities for liberation. It can break down geographical barriers, enabling collaboration across different locations and time zones. Employees can enjoy greater flexibility and autonomy, balancing work and personal life more effectively. Digital platforms can also facilitate more inclusive and diverse interactions, allowing voices from various backgrounds to be heard and valued.
This exploration of organizational digitalization reveals a complex dynamic where technology can both hinder and enhance work relationships. Understanding these dual effects is crucial for organizations aiming to foster a positive work environment. By addressing the challenges and leveraging the benefits, companies can navigate the digital age while maintaining strong, supportive relationships among their employees.
Keywords : Digitalisation - Work Relationships - Employee Autonomy -Virtual Communication - Flexibility and AutonomyABSTRACT
In today's fast-paced digital age, organizations increasingly embrace technology to streamline operations and boost productivity. While digitalization offers numerous advantages, it also profoundly affects work relationships. This article delves into the multifaceted impact of organizational digitalization on employees' relationships, highlighting both potential estrangement and opportunities for liberation.
Digital tools can create a sense of isolation among employees, as face-to-face interactions are replaced by virtual communication. This shift can lead to feelings of detachment and disconnection, weakening the social fabric of the workplace. Additionally, the constant connectivity and pressure to respond promptly can contribute to stress and burnout, further straining relationships.
Conversely, digitalization also presents opportunities for liberation. It can break down geographical barriers, enabling collaboration across different locations and time zones. Employees can enjoy greater flexibility and autonomy, balancing work and personal life more effectively. Digital platforms can also facilitate more inclusive and diverse interactions, allowing voices from various backgrounds to be heard and valued.
This exploration of organizational digitalization reveals a complex dynamic where technology can both hinder and enhance work relationships. Understanding these dual effects is crucial for organizations aiming to foster a positive work environment. By addressing the challenges and leveraging the benefits, companies can navigate the digital age while maintaining strong, supportive relationships among their employees.
Keywords : Digitalisation - Work Relationships - Employee Autonomy -Virtual Communication - Flexibility and Autonom
Perspectives multiples de la performance des incubateurs universitaires au Maroc : une étude qualitative auprès des acteurs clés
Full text linkRésumé:
En explorant les multiples dimensions de la performance des incubateurs universitaires dans un secteur en pleine réforme, cet article répond à un réel besoin d’évaluation, en raison de la croissance et l’expansion de ces structures dans les universités. Il offre une analyse de leur performance, des indicateurs de sa mesure et de ses principaux déterminants. Pour ce faire, et afin de recueillir des perspectives variées sur les dimensions de cette performance, l'étude adopte une méthodologie qualitative basée sur des entretiens semi-directifs avec treize acteurs (entrepreneurs, responsables d’incubateurs, financeurs, expert en incubation). Les résultats confirment la complexité et la nature multidimensionnelle de la performance des incubateurs universitaires. Ils révèlent que ces structures jouent un rôle important dans la promotion de l'entrepreneuriat, l'innovation, et la valorisation de la recherche, tout en contribuant au développement économique. Cependant, évaluer leur performance est délicat en raison des attentes variées des parties prenantes et la nécessité de combiner des critères à la fois quantitatifs et qualitatifs. Les principaux déterminants identifiés incluent la gouvernance, les ressources humaines, les infrastructures, les pratiques de sélection, la spécialisation, le réseautage, le soutien gouvernemental, l'accès au financement, la réglementation universitaire, et les caractéristiques individuelles des incubés.
Mots Clés : Incubateur Universitaire, Performance, Indicateurs De Mesure, Determinants De La Performance, Entrepreneuriat.
Abstract:
By exploring the multiple dimensions of the performance of university incubators in a sector undergoing reform, this article responds to a real need for evaluation, due to the growth and expansion of these structures in universities. It offers an analysis of their performance, indicators of its measurement and its main determinants. To do this, and in order to collect varied perspectives on the dimensions of this performance, the study adopts a qualitative methodology based on semi-directive interviews with thirteen actors (entrepreneurs, incubator managers, financiers, incubation experts). The results confirm the complexity and multidimensional nature of university incubator performance. They reveal that these structures play an important role in promoting entrepreneurship, innovation, and research valorization, while contributing to economic development. However, assessing their performance is tricky due to the varied expectations of stakeholders and the need to combine both quantitative and qualitative criteria. The main determinants identified include governance, human resources, infrastructure, selection practices, specialization, networking, government support, access to funding, university regulation, and individual characteristics of incubatees.
Key Words: University Incubator, Performance, Measurement Indicators, Determinants Of Performance, Entrepreneurship.Résumé:
En explorant les multiples dimensions de la performance des incubateurs universitaires dans un secteur en pleine réforme, cet article répond à un réel besoin d’évaluation, en raison de la croissance et l’expansion de ces structures dans les universités. Il offre une analyse de leur performance, des indicateurs de sa mesure et de ses principaux déterminants. Pour ce faire, et afin de recueillir des perspectives variées sur les dimensions de cette performance, l'étude adopte une méthodologie qualitative basée sur des entretiens semi-directifs avec treize acteurs (entrepreneurs, responsables d’incubateurs, financeurs, expert en incubation). Les résultats confirment la complexité et la nature multidimensionnelle de la performance des incubateurs universitaires. Ils révèlent que ces structures jouent un rôle important dans la promotion de l'entrepreneuriat, l'innovation, et la valorisation de la recherche, tout en contribuant au développement économique. Cependant, évaluer leur performance est délicat en raison des attentes variées des parties prenantes et la nécessité de combiner des critères à la fois quantitatifs et qualitatifs. Les principaux déterminants identifiés incluent la gouvernance, les ressources humaines, les infrastructures, les pratiques de sélection, la spécialisation, le réseautage, le soutien gouvernemental, l'accès au financement, la réglementation universitaire, et les caractéristiques individuelles des incubés.
Mots Clés : Incubateur Universitaire, Performance, Indicateurs De Mesure, Determinants De La Performance, Entrepreneuriat.
Abstract:
By exploring the multiple dimensions of the performance of university incubators in a sector undergoing reform, this article responds to a real need for evaluation, due to the growth and expansion of these structures in universities. It offers an analysis of their performance, indicators of its measurement and its main determinants. To do this, and in order to collect varied perspectives on the dimensions of this performance, the study adopts a qualitative methodology based on semi-directive interviews with thirteen actors (entrepreneurs, incubator managers, financiers, incubation experts). The results confirm the complexity and multidimensional nature of university incubator performance. They reveal that these structures play an important role in promoting entrepreneurship, innovation, and research valorization, while contributing to economic development. However, assessing their performance is tricky due to the varied expectations of stakeholders and the need to combine both quantitative and qualitative criteria. The main determinants identified include governance, human resources, infrastructure, selection practices, specialization, networking, government support, access to funding, university regulation, and individual characteristics of incubatees.
Key Words: University Incubator, Performance, Measurement Indicators, Determinants Of Performance, Entrepreneurship
Synergie entre la finance Durable et l'intelligence Artificielle : un Avenir Prometteur
Full text linkRÉSUMÉ :
Cet article explore la convergence entre la finance durable et l'intelligence artificielle (IA) dans le contexte de l'évolution économique mondiale. En examinant les principes et les objectifs de la finance durable, ainsi que les tendances actuelles, l'article met en lumière l'émergence de cette discipline en réponse aux défis environnementaux et sociaux. Simultanément, il explore le rôle de plus en plus central de l'IA dans le secteur financier, soulignant son impact sur la gestion des risques et l'optimisation des portefeuilles, comme illustré par des experts tels qu'Erik Brynjolfsson. La problématique centrale réside dans la manière de maximiser les avantages économiques de la synergie entre la finance durable et l'IA, tout en atténuant les risques et en assurant une intégration éthique. En adoptant une méthodologie théorique, basée sur une revue approfondie de la littérature, l'article vise à fournir un cadre conceptuel solide pour explorer cette convergence prometteuse. Les résultats et les discussions approfondiront les implications économiques, mettant en lumière les opportunités et les défis de cette collaboration novatrice.
Mots-clés : Finance durable - Intelligence artificielle - Synergie économique - Gestion des risques - Durabilité financière
Abstract
This article explores the convergence between sustainable finance and artificial intelligence (AI) in the context of global economic change. By examining the principles and objectives of sustainable finance, as well as current trends, the article highlights the emergence of this discipline in response to environmental and social challenges. Simultaneously, it explores the increasingly central role of AI in the financial sector, highlighting its impact on risk management and portfolio optimization, as illustrated by experts such as Erik Brynjolfsson. The central issue lies in how to maximize the economic benefits of the synergy between sustainable finance and AI, while mitigating risks and ensuring ethical integration. By adopting a theoretical methodology, based on a thorough literature review, the article aims to provide a sound conceptual framework for exploring this promising convergence. Results and discussions will delve deeper into the economic implications, highlighting the opportunities and challenges of this innovative collaboration.
Keywords : Sustainable finance -Artificial intelligence - Economic synergy- Risk management -Financial sustainabilityRÉSUMÉ :
Cet article explore la convergence entre la finance durable et l'intelligence artificielle (IA) dans le contexte de l'évolution économique mondiale. En examinant les principes et les objectifs de la finance durable, ainsi que les tendances actuelles, l'article met en lumière l'émergence de cette discipline en réponse aux défis environnementaux et sociaux. Simultanément, il explore le rôle de plus en plus central de l'IA dans le secteur financier, soulignant son impact sur la gestion des risques et l'optimisation des portefeuilles, comme illustré par des experts tels qu'Erik Brynjolfsson. La problématique centrale réside dans la manière de maximiser les avantages économiques de la synergie entre la finance durable et l'IA, tout en atténuant les risques et en assurant une intégration éthique. En adoptant une méthodologie théorique, basée sur une revue approfondie de la littérature, l'article vise à fournir un cadre conceptuel solide pour explorer cette convergence prometteuse. Les résultats et les discussions approfondiront les implications économiques, mettant en lumière les opportunités et les défis de cette collaboration novatrice.
Mots-clés : Finance durable - Intelligence artificielle - Synergie économique - Gestion des risques - Durabilité financière
Abstract
This article explores the convergence between sustainable finance and artificial intelligence (AI) in the context of global economic change. By examining the principles and objectives of sustainable finance, as well as current trends, the article highlights the emergence of this discipline in response to environmental and social challenges. Simultaneously, it explores the increasingly central role of AI in the financial sector, highlighting its impact on risk management and portfolio optimization, as illustrated by experts such as Erik Brynjolfsson. The central issue lies in how to maximize the economic benefits of the synergy between sustainable finance and AI, while mitigating risks and ensuring ethical integration. By adopting a theoretical methodology, based on a thorough literature review, the article aims to provide a sound conceptual framework for exploring this promising convergence. Results and discussions will delve deeper into the economic implications, highlighting the opportunities and challenges of this innovative collaboration.
Keywords : Sustainable finance -Artificial intelligence - Economic synergy- Risk management -Financial sustainabilit
L'Intelligence Artificielle au Service de l'Éducation au Maroc : Opportunités, Défis et Perspectives
Full text linkRésumé
L'article se penche sur l'impact de l'intelligence artificielle (IA) sur le secteur éducatif au Maroc au cours des vingt dernières années. Il débute en mettant en évidence l'essor du secteur de l'éducation. Ensuite, il identifie plusieurs facteurs contribuant à la détérioration de la qualité de l'éducation, notamment la perte d'autonomie des institutions éducatives. L'importance de moderniser le système éducatif en incorporant des technologies contemporaines, telles que l'IA, est mise en avant pour répondre aux besoins présents et futurs. L'IA permettrait une personnalisation de l'apprentissage, bien que des améliorations soient nécessaires pour optimiser son efficacité. L'article examine également le potentiel de l'IA dans la création du contenu éducatif intelligent pour faire face à la massification des étudiants. L'étude se concentre ensuite sur trois questions clés : les opportunités de l'IA pour améliorer l'éducation au Maroc, les défis à surmonter lors de son intégration, et les perspectives pour l'éducation marocaine grâce à l'IA. La méthodologie de l'étude est expliquée en détail, y compris la collecte de données, la méthode d'analyse, la population étudiée et les instruments de mesure. Le texte se termine en résumant les conclusions primordiales de la recherche et en explorant les problématiques de recherche, offrant ainsi une vue d'ensemble exhaustive des défis associés à l'intégration de l'intelligence artificielle dans le domaine de l'éducation.
Mots clés : Intelligence Artificielle, Education, Management, Personnalisation de l'Apprentissage, chat GPT
Abstract:
The article examines the impact of artificial intelligence (AI) on the education sector over the past two decades in Morocco. It begins by highlighting the growth of the education sector. The article identifies several factors contributing to the deterioration of the quality of education, including the loss of autonomy of educational institutions. The importance of modernizing the education system by incorporating contemporary technologies such as AI is emphasized to meet current and future needs.AI is seen as a personalize tool for learning, although improvements are needed to optimize its effectiveness. The article also explores the potential of AI in creating intelligent educational content to address the increasing number of students. The study focuses also on three key research questions: the opportunities that AI offers to enhance education in Morocco, the challenges to overcome in its integration, and the prospects for Moroccan education through AI. The methodology of the study is explained in detail, including data collection, analysis method, study population, and measurement instruments. The article concludes by summarizing the main findings of the study and addressing the research questions. It provides a comprehensive overview of the issues related to the adoption of AI in education in Morocco.
Keywords: Artificial Intelligence, management, Education, Personalization of Learning ChatGPTRésumé
L'article se penche sur l'impact de l'intelligence artificielle (IA) sur le secteur éducatif au Maroc au cours des vingt dernières années. Il débute en mettant en évidence l'essor du secteur de l'éducation. Ensuite, il identifie plusieurs facteurs contribuant à la détérioration de la qualité de l'éducation, notamment la perte d'autonomie des institutions éducatives. L'importance de moderniser le système éducatif en incorporant des technologies contemporaines, telles que l'IA, est mise en avant pour répondre aux besoins présents et futurs. L'IA permettrait une personnalisation de l'apprentissage, bien que des améliorations soient nécessaires pour optimiser son efficacité. L'article examine également le potentiel de l'IA dans la création du contenu éducatif intelligent pour faire face à la massification des étudiants. L'étude se concentre ensuite sur trois questions clés : les opportunités de l'IA pour améliorer l'éducation au Maroc, les défis à surmonter lors de son intégration, et les perspectives pour l'éducation marocaine grâce à l'IA. La méthodologie de l'étude est expliquée en détail, y compris la collecte de données, la méthode d'analyse, la population étudiée et les instruments de mesure. Le texte se termine en résumant les conclusions primordiales de la recherche et en explorant les problématiques de recherche, offrant ainsi une vue d'ensemble exhaustive des défis associés à l'intégration de l'intelligence artificielle dans le domaine de l'éducation.
Mots clés : Intelligence Artificielle, Education, Management, Personnalisation de l'Apprentissage, chat GPT
Abstract:
The article examines the impact of artificial intelligence (AI) on the education sector over the past two decades in Morocco. It begins by highlighting the growth of the education sector. The article identifies several factors contributing to the deterioration of the quality of education, including the loss of autonomy of educational institutions. The importance of modernizing the education system by incorporating contemporary technologies such as AI is emphasized to meet current and future needs.AI is seen as a personalize tool for learning, although improvements are needed to optimize its effectiveness. The article also explores the potential of AI in creating intelligent educational content to address the increasing number of students. The study focuses also on three key research questions: the opportunities that AI offers to enhance education in Morocco, the challenges to overcome in its integration, and the prospects for Moroccan education through AI. The methodology of the study is explained in detail, including data collection, analysis method, study population, and measurement instruments. The article concludes by summarizing the main findings of the study and addressing the research questions. It provides a comprehensive overview of the issues related to the adoption of AI in education in Morocco.
Keywords: Artificial Intelligence, management, Education, Personalization of Learning
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Au cœur des ERP, Une Intelligence artificielle utile
Full text linkRésumé
L’industrie de l’Intelligence Artificielle (IA) se développe continuellement. Se focaliser sur l’intégration de cette industrie progressivement dans les applications de gestion est crucial puisque l’idée se qualifie de large et assez complexe. C’est dans cette optique s’inscrit cet article pour clarifier le croisement entre l’IA et les ERP (Enterprise Resources Planning).
Nous allons nous baser sur une étude de l’apprentissage automatique à travers l’intelligence automatique évoquée théoriquement. Cet article explore la littérature sur les ERP et l’intelligence artificielle dans différents articles et livres.
Dans de nombreux domaines des ERP, l’intelligence artificielle est largement utilisée, notamment dans le support client, l’analyse prédictive et les projections de ventes.
Selon l'étude, l'effet de l'IA est évident à mesure que les entreprises atteignent un nouveau niveau d'efficacité d'analyse dans divers domaines de l’ERP grâce aux progrès étonnants de l'apprentissage automatique.
Mots-clés : Intelligence artificielle, ERP, transformation, performance, apprentissage
Abstract
The Artificial Intelligence (AI) industry is continuously developing. Focusing on the integration of this industry gradually into management applications is crucial since the idea qualifies as broad and quite complex. It is in this perspective that this article is written to clarify the intersection between AI and ERP (Enterprise Resources Planning).
We will base ourselves on a study of machine learning through machine intelligence theoretically evoked. This article explores the literature on ERP and artificial intelligence in different articles and books.
In many areas of ERP, artificial intelligence is widely used, especially in customer support, predictive analysis and sales projections.
According to the study, the effect of AI is evident as companies reach a new level of analytical efficiency in various areas of ERP thanks to the amazing advances in machine learning.
Keywords: Artificial intelligence, ERP, transformation, performance, learningRésumé
L’industrie de l’Intelligence Artificielle (IA) se développe continuellement. Se focaliser sur l’intégration de cette industrie progressivement dans les applications de gestion est crucial puisque l’idée se qualifie de large et assez complexe. C’est dans cette optique s’inscrit cet article pour clarifier le croisement entre l’IA et les ERP (Enterprise Resources Planning).
Nous allons nous baser sur une étude de l’apprentissage automatique à travers l’intelligence automatique évoquée théoriquement. Cet article explore la littérature sur les ERP et l’intelligence artificielle dans différents articles et livres.
Dans de nombreux domaines des ERP, l’intelligence artificielle est largement utilisée, notamment dans le support client, l’analyse prédictive et les projections de ventes.
Selon l'étude, l'effet de l'IA est évident à mesure que les entreprises atteignent un nouveau niveau d'efficacité d'analyse dans divers domaines de l’ERP grâce aux progrès étonnants de l'apprentissage automatique.
Mots-clés : Intelligence artificielle, ERP, transformation, performance, apprentissage
Abstract
The Artificial Intelligence (AI) industry is continuously developing. Focusing on the integration of this industry gradually into management applications is crucial since the idea qualifies as broad and quite complex. It is in this perspective that this article is written to clarify the intersection between AI and ERP (Enterprise Resources Planning).
We will base ourselves on a study of machine learning through machine intelligence theoretically evoked. This article explores the literature on ERP and artificial intelligence in different articles and books.
In many areas of ERP, artificial intelligence is widely used, especially in customer support, predictive analysis and sales projections.
According to the study, the effect of AI is evident as companies reach a new level of analytical efficiency in various areas of ERP thanks to the amazing advances in machine learning.
Keywords: Artificial intelligence, ERP, transformation, performance, learnin