{
  "abstract": "his research investigates the determinants of Open Banking adoption intention amongMoroccan banking clients. Drawing on a sequential explanatory mixed-methods design—aquantitative survey of 500 clients in the Rabat-Salé-Kénitraregion and 25 semi-structuredexpert interviews—the study develops and validates the UTAUT-OBM model, an extensionof UTAUT2 that raises institutional trust and perceived risk to the status of direct determinants.Structural equation modelling confirmsthe six hypotheses and explains 57% of the variance inintention. Performance expectancy (β=0.48) and trust (β=0.40) are the main drivers, whileperceived risk (β=-0.31) and effort expectancy (β=-0.25) are the main barriers. A segmentationdistinguishes three profiles: enthusiasts (32%), cautious pragmatists (45%), and skepticalresisters (23%). As Open Banking is not yet deployed in Morocco, the dependent variableremains a stated intention rather than actual behaviour. The study offers propositions for futureresearch and outlines a responsible, inclusive deployment roadmap towards 2030.",
  "abstract_shown": true,
  "affiliations": [],
  "article_type": null,
  "arxiv": null,
  "author_total": 2,
  "authors": [
    {
      "name": "Rachid Maghniwi"
    },
    {
      "name": "Mustapha Oukassi"
    }
  ],
  "bibtex": "https://research.draconitic.com/paper/dsgsz8t69ej24.bib",
  "cited_by": 0,
  "doi": "10.5281/zenodo.22922236",
  "fulltext_url": null,
  "id": "dsgsz8t69ej24",
  "issns": [
    "2728-0128"
  ],
  "landing_url": "https://hal.science/hal-05765188v1",
  "language": "fr",
  "licence": "CC-BY-NC-4.0",
  "licence_label": "CC BY-NC 4.0",
  "licence_source": "article",
  "licence_url": "https://creativecommons.org/licenses/by-nc/4.0/",
  "metadata_licence": null,
  "native_subjects": [
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  "pdf_url": "https://hal.science/hal-05765188/document",
  "pmcid": null,
  "pmid": null,
  "published": "2026-09-04",
  "publisher": "Revue Française d'Economie et de Gestion",
  "ris": "https://research.draconitic.com/paper/dsgsz8t69ej24.ris",
  "sources": [
    {
      "first_seen": "2026-10-30T12:17:41Z",
      "native_id": "hal-05765188",
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      "url": "https://hal.science/hal-05765188v1"
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  "subjects": [
    {
      "field": "mathematics",
      "origin": "hal:0.stat",
      "subfield": "statistics"
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  "title": "The determinants of Open Banking adoption in the Moroccanbanking sector: an empirical validation of the UTAUT-OBMmodel",
  "title_text": "The determinants of Open Banking adoption in the Moroccanbanking sector: an empirical validation of the UTAUT-OBMmodel",
  "type": "peer-reviewed",
  "updated_at": "2026-10-30T12:17:41Z",
  "url": "https://research.draconitic.com/paper/dsgsz8t69ej24",
  "venue": "Revue Française d'Economie et de Gestion",
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}