Despite the adoption of a major penal reform at the end of 2025, the check continues to dominate commercial transactions in Morocco. A paradox, as developed economies have largely abandoned this payment method, reflecting a systemic need to address trust issues in trade.
According to data from the Moroccan Ministry of Justice, 58,000 detentions were recorded for bounced checks over the past three years. The reform, which aimed to decriminalize check issuance and introduce alternative payment methods, has not yet reduced reliance on checks.
Experts point to a lack of financial inclusion and trust in digital payments as key factors. The reform introduced a gradual transition, but businesses and individuals still prefer checks due to their perceived security and legal recourse.
Authorities are now focusing on awareness campaigns and strengthening the banking infrastructure to encourage electronic payments. The goal is to reduce check usage by 30% by 2028, according to the central bank.
