Central Banking
Bank Al-Maghrib
Saida Hajjaji brings more than 15 years of experience at Bank Al-Maghrib (Central Bank of Morocco), where she worked on financial systems, policy coordination, inclusion finance, and strategic analytical work.
Founder
Saida Hajjaji, PhD
Economist, researcher, and policy specialist working at the intersection of financial inclusion, digital finance, artificial intelligence, and inclusive economic systems.
Profile
Research, policy, and execution
Saida Hajjaji is the founder of Tamkin Lab, an independent research and advisory platform based in Rabat, Morocco. Her work combines policy analysis, empirical research, and strategic advisory support, with a focus on financial inclusion, digital transformation, and inclusive economic development.
Current Position
Founder, Tamkin Lab
Independent Researcher & Consultant
Rabat, Morocco
Background
Institutional and analytical experience
Leadership
Head of Financial Inclusion Unit
She previously served as Head of the Financial Inclusion Unit, leading work related to Morocco’s financial inclusion agenda, multi-stakeholder coordination, monitoring systems, and inclusive digital finance.
Policy Engagement
Strategy and reform support
Her work has included governance frameworks, national strategy support, policy diagnostics, stakeholder dialogue, and evidence-based contributions to institutional reform processes.
International Interface
Development and ecosystem collaboration
She has engaged with regulators, financial institutions, development partners, and policy ecosystems working on digital finance, women’s economic empowerment, alternative data, and SME access to finance.
Research Profile
Areas of work and methods
Research Interests
Her current work focuses on financial inclusion, digital payments, fintech ecosystems, behavioral barriers to opportunity, artificial intelligence for development, and inclusive policy design in emerging and developing economies.
Methods
Her analytical approach combines econometrics, survey microdata, policy evaluation, quantitative diagnostics, and explainable machine learning to produce evidence that is both rigorous and decision-relevant.
Education
PhD in Economics and Management
Université Mohammed V, Rabat
MSc in Audit & Governance
IAE Aix-Marseille
BSc in Accounting & Financial Management
Aix-Marseille III
Contact
Rabat, Morocco
s.hajjaji@tamkinlab.com