Kamal El Hardouzi

Kamal El Hardouzi earned a Bachelor of Business Administration in Exchange Studies, Market Research and International Marketing from the University of San Diego in 2011, before completing further business education at Al Akhawayn University in Morocco. He began his career in 2013 in commercial development at Derichebourg Multiservices, later joining Samsung Electronics between 2016 and 2017 to lead online business and sales development across Morocco, Algeria and Tunisia.

In 2017, El Hardouzi took his first step into entrepreneurship by founding Fenris Agency, a marketing, events and public relations firm. He went on to found FMCGapps (also known as FMCG.ma), introducing voice-AI ordering technology to help Morocco's traditional 'nanostores' access inventory more efficiently, onboarding over 50,000 stores and proving that small merchants could adopt genuinely new technology.

In 2025, El Hardouzi co-founded Woliz alongside Ismail Amri, Othman Jabrane and Karim Hamri, building a unified digital platform connecting Morocco's neighbourhood retailers with commerce, finance, telecoms and public institutions in one ecosystem. Woliz allows small shopkeepers to order stock digitally, track sales automatically and build a financial footprint supporting access to credit — tools previously available only to large retail chains. The company raised $2.2 million in pre-seed funding led by Sanlam Maroc, its first startup investment through an institutional, long-term private equity approach.