id	author	title	date	pages	extension	mime	words	sentence	flesch	summary	cache	txt
ejif-10550	Battanta, Luca Federico; Lancioni, Giuliano; Giolfo, Manuela; Magli, Francesca	The moroccan banking system and FinTech deployment: an overview of the literature 	2025	22	.pdf	application/pdf	15103	703	43	In their analysis, which we share, the main reasons mentioned are: The considerable cost of the double transaction of the purchase contract by the bank and the resale to the customer, as mentioned in our analysis; The lack of competition and concurrency for new Islamic banks; Lack of political push after an initial euphoria of financial operators on Islamic banks; In some markets like Europe, the sector lacks skills and training (Dewa and Zakaria, 2012). In the Musharaka fund-raising model, the public can buy shares and become owners of the microfinance program initiated by Islamic banks or choose a specific financing project.	cache/ejif-10550.pdf	txt/ejif-10550.txt