Electronic Payment Struggles to Take Off

Tunisia's electronic payment sector faces major challenges, despite efforts by banks and operators to promote these solutions. Tunisians, for the most part, remain attached to traditional methods, such as cash payments or classic bank transfers. This resistance is explained by several factors, including distrust of online platforms and low confidence in digital systems. Tunisian banks have launched several initiatives to modernize the sector, such as the introduction of electronic wallets and expansion of mobile services. However, results remain limited. According to recent data, only a minority of Tunisians regularly use electronic payments. The absence of a robust infrastructure and public unfamiliarity with these tools hinder deployment. To accelerate the adoption of e-payments, authorities and private actors must work together. A targeted awareness campaign, partnerships with local actors, and improved transaction security could help change the situation. Electronic payment remains a crucial issue for economic development and financial sector modernization in Tunisia.