Tunisia's Financial Digitalization Takes a Leap Forward in 2025
In 2025, Tunisia has witnessed an unprecedented acceleration of financial digitalization, driven by a dual movement: the expansion of digital services and the political will to broaden access to finance for all. The latest figures published by the authorities testify to a profound transformation.
Key Statistics
- The number of digital wallets has reached 2.87 million in the first half of 2025, recording an annual growth rate of 41.7%.
- Mobile wallet transactions have exceeded 2.2 billion dinars.
A New Era for Financial Inclusion
This massive adoption of digital tools demonstrates that they have become a central lever for integrating populations that were previously excluded from the banking system. This dynamic is part of a broader context where digital accessibility is becoming a national imperative.
Towards a Tunisian Digital Accessibility Framework
In late November 2025, several experts called for the establishment of a Tunisian digital accessibility framework, aligned with international standards but adapted to the local reality. The objective is to ensure that financial platforms, banking applications, payment interfaces, and online portals are usable by all, including people with disabilities or low literacy levels. This is an essential condition for transforming technological tools into a true driver of inclusion.
State-Led Initiatives for Financial Inclusion
The state is actively multiplying initiatives to bring financial services closer to citizens. The Tunisian Post Office, with its unique territorial network, is set to offer a range of banking services, a measure that could significantly reduce inequalities between urban and rural areas. This project, still in the process of being legally framed, gives hope for the democratization of essential services.
Fintechs Contribute to the Transformation
Fintechs are also contributing to this transformation. Payday, a Tunisian startup specializing in alternative financial services, has just raised $3 million to develop solutions for low-income employees, a public often excluded from traditional banking circuits. This type of innovation confirms that the Tunisian digital ecosystem is in full swing.
Challenges Ahead
While Tunisia is moving resolutely towards a more modern and inclusive finance, the challenge remains immense: strengthening digital education, consolidating user trust, and guaranteeing irreproachable data security. However, one certainty emerges: digital technology has become the keystone of tomorrow's financial inclusion.
Conclusion
In conclusion, 2025 marks a turning point for Tunisia, where every citizen, including the most vulnerable, can access finance in a concrete way. The country's financial digitalization is gaining momentum, driven by the expansion of digital services and the political will to broaden access to finance. As the Tunisian digital ecosystem continues to evolve, it is likely to have a profound impact on the country's financial landscape, making it more inclusive and accessible to all.
