E-commerce Morocco 2023: Statistics, prospects and future

The digital landscape in Morocco is experiencing a seismic shift, as evidenced by the latest data from the Centre monétique interbancaire (CMI). The statistics reveal a remarkable surge in online transactions, underlining the robust growth and increasing prominence of e-commerce in the nation. This essay will delve into the key findings from the CMI data, providing insights into the scale, trends, and implications of the burgeoning e-commerce sector in Morocco.

CMI Data Overview

According to the Centre monétique interbancaire (CMI), affiliated merchant sites and billing sites processed an impressive 28.1 million online payment transactions via both Moroccan and foreign bank cards in 2022. The cumulative value of these transactions reached a staggering 9.6 billion dirhams (MMDH), reflecting a substantial increase of 35.6% in transaction volume and 24.3% in total transaction value compared to the preceding year, 2021.

Key Insights

  • 1. Exponential Transaction Growth:

    The data underscores the exponential growth of e-commerce transactions in Morocco, with a notable surge of 35.6% in the number of online payment operations. This surge is indicative of a significant shift in consumer behavior towards digital transactions, highlighting the increasing reliance on online platforms for a diverse range of purchases.

  • 2. Robust Transaction Value:

    The total value of online transactions, amounting to 9.6 billion dirhams, reflects the robust financial impact of e-commerce on the Moroccan economy. The 24.3% increase in transaction value demonstrates not only the increasing frequency but also the growing monetary significance of online transactions, emphasizing the economic vitality of the e-commerce sector.

  • 3. Diverse Payment Sources:

    The data indicates that both Moroccan and foreign bank cards were used in these transactions, highlighting the international scope of e-commerce in Morocco. This diversification of payment sources aligns with global trends, showcasing the nation's openness to cross-border transactions and its integration into the global digital economy.

Implications and Future Outlook

The robust growth of e-commerce, as evidenced by the CMI data, carries several implications for the Moroccan business landscape:

  • 1. Digital Economy Acceleration:

    The surge in online transactions signifies a rapid acceleration of Morocco's digital economy. Businesses, both large and small, are increasingly leveraging online platforms to reach a wider audience, fostering economic growth and innovation.

  • 2. Consumer Confidence in Online Transactions:

    The substantial increase in both transaction volume and value indicates a growing trust in online payment methods among Moroccan consumers. This shift in consumer behavior is likely to further drive the adoption of digital payments, contributing to the continued expansion of the e-commerce sector.

  • 3. Opportunities for Businesses:

    With the e-commerce sector showing such robust growth, there are abundant opportunities for businesses to capitalize on this trend. Companies that invest in online platforms, digital marketing, and enhanced customer experiences stand to benefit from the evolving landscape, gaining a competitive edge in the digital marketplace.


The CMI data provides a compelling snapshot of the thriving e-commerce landscape in Morocco, marked by substantial growth in both transaction volume and value. As the nation embraces the digital era, businesses and consumers alike are navigating this transformative journey, opening up new possibilities and reshaping the economic landscape. The data from CMI serves as a testament to the resilience and potential of the Moroccan e-commerce sector, signaling a promising future for digital commerce in the nation.

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