Ecosystem
Tunisia Fintech Ecosystem Map: Who's Who in 2026
From the BCT to Ooredoo's new payment institution, Konnect and the ANAVA fund of funds: a practical map of who does what in Tunisian fintech.
Fintech in Tunisia & Africa: All Articles
57 sourced articles on Tunisian fintech: BCT regulation, mobile payments, startups, funding, financial inclusion and African fintech.
Funding
Tunisia Startup Funding Trends 2024–2026: Boom, Then Freeze
After $39 million in 2025, Tunisian startups recorded almost no disclosed equity deals in the first half of 2026. Here is what the numbers show.
Regulation
Payment Institutions in Tunisia: Licensing and the 2026 Rules
The Central Bank of Tunisia has replaced its 2018 payment institution rules with a far stricter circular. Here is how the licence works and what changes.
Payments
Mobile Payments in Tunisia: The Wallet Landscape in 2026
Tunisia's mobile wallets are multiplying, from bank apps and La Poste to fintechs and telecom operators. The usage numbers are rising quickly but remain small next to cards and cash.
Ecosystem
Tunisia's Startup Act Explained: What Fintech Founders Get
The 2018 Startup Act brings real tax, social-security and foreign-currency benefits. Here is who qualifies, what you get and why the label is not a fintech licence.
Regulation
The BCT Regulatory Sandbox: How Tunisia Tests Fintech
Launched in 2020, the Central Bank of Tunisia's sandbox lets fintechs test products with real users under supervision. Here is what it has done so far, and what it cannot do.
Payments
Cheapest Way to Send Money to Tunisia in 2026
Sending €140 to Tunisia cost anywhere from under 1% to over 28% in the World Bank's latest survey. Here is what was cheapest from France and Italy, what we know about Germany, and how to pay less.
Banking
AI in Tunisian Banking: Real Uses, Rules and Gaps
Chatbots, remote identity checks and credit scoring are the first AI uses in Tunisian banks. There is no AI-specific rulebook yet, and that cuts both ways for founders.
Financial inclusion
Tunisia's Cash Economy: Record Banknotes, Fading Cheques
More than TND 30 billion in banknotes and coins now circulate in Tunisia, a record. The cheque reform, informality and low bank account ownership explain why the cashless push is struggling.
Funding
ANAVA Fund of Funds Explained: Tunisia's VC Engine
Backed by the World Bank, CDC and KfW, the ANAVA fund of funds is behind most seed capital in Tunisia. Here is how it works and who it backs.
Africa
AfCFTA, Digital Trade and Cross-Border Payments in Africa
Africa adopted a Digital Trade Protocol in 2024 with annexes on payments, data and fintech. It is not yet in force. Here is what it covers and why Tunisia should care.
Payments
E-commerce Payments in Tunisia: ClicToPay to Cash on Delivery
Online payments in Tunisia are growing fast, but most shoppers still pay cash at the door. Here is how merchants can accept payments online and what each option involves.
Financial inclusion
Diaspora Remittances to Tunisia: Volumes, Costs, Digital Channels
Tunisians abroad sent home TND 8.76 billion through formal channels in 2025, more than tourism brought in. Sending money is getting cheaper online, but cash and informal channels still dominate.
Funding
Expensya's Acquisition by Medius: A Tunisian Exit Story
Founded in Tunis in 2014, Expensya was acquired by Sweden's Medius in 2023. How the exit happened and what it means for Tunisian founders.
Startups
Flouci: Profile of Tunisia's Mobile Wallet and Banking App
Founded as Kaoun in 2018, Flouci has become one of Tunisia's best-known fintech apps, combining a wallet, a bank account opened remotely and merchant payments.
Africa
African Fintech Funding 2025–2026: Debt, Megadeals, Fewer Deals
African tech funding recovered in 2025, but fintech's share is shrinking, debt is rising and deal counts hit new lows in H1 2026. Here is what the numbers say.
Ecosystem
Tunisia Fintech Key Numbers: Accounts, Cards, Mobile, Cash
Fewer than four in ten adults have an account, mobile payments grew 80% in 2025, and cash keeps rising. The essential, sourced figures on Tunisian fintech.
Regulation
Crowdfunding Law in Tunisia: How the CMF Framework Works
Six years after Law 2020-37, Tunisia's equity crowdfunding rules are complete and the first platform licence has been granted. Here is what founders need to know.
Payments
Instant Payments in Tunisia: Switching and Interoperability
Tunisians can send money instantly between some mobile wallets, but bank transfers still clear in batches and there is no national instant payment system. The BCT is studying Brazil's Pix.
Banking
Cybersecurity in Tunisia's Financial Sector: The New Rules
BCT circular 2026-10 and Decree-law 2023-17 make security audits, incident reporting and strong remote identity checks mandatory for Tunisian payment fintechs.
Financial inclusion
Financial Inclusion in Tunisia: What the Findex Data Says
Tunisia's account ownership rate has barely moved since 2017. The latest Findex data shows who is left out, and why cash still dominates.
Funding
How to Raise Funding as a Tunisian Fintech: A 2026 Guide
From the Startup Act label to Series A, a step-by-step guide to raising money as a Tunisian fintech, with real ticket sizes and pitfalls.
Startups
Konnect Networks: Profile of a Tunisian Payments Startup
Founded in 2021, Konnect Networks built a payment gateway for Tunisian merchants, raised money from Visa and Attijariwafa Ventures, and now pitches itself as infrastructure for banks, payment institutions and telcos.
Africa
Africa's Fintech Unicorns: Moniepoint, OPay, Wave and More
Almost every African unicorn is a fintech. Who they are, how reliable their valuations are, and why none of them is Tunisian.
Ecosystem
Tunisia Incubators and Accelerators for Fintech Founders
From Flat6Labs' seed tickets to bank-run labs and Visa's African fintech accelerator: where Tunisian fintech founders can find support, and how to choose.
Regulation
Crypto Regulation in Tunisia: Is Bitcoin Legal in 2026?
Tunisia has no crypto law, but the foreign exchange code makes holding and trading crypto legally risky. Draft reforms would change that, if adopted.
Payments
La Poste Tunisienne's e-Dinar and D17 Explained
Long before fintech apps, Tunisia's post office offered e-Dinar cards for online payment. Its D17 app now competes with banks and startups in a crowded wallet market.
Banking
Digital Banking in Tunisia: Where Banks Stand in 2026
Mobile payments grew 80.5% in 2025 and new rules allow remote onboarding, but most Tunisian adults still have no account. A look at banks' digital shift.
Financial inclusion
Microfinance in Tunisia: Enda Tamweel, Taysir and the ACM
More than 800,000 Tunisians borrow from microfinance institutions. A look at the rules, the main lenders, the cost of credit and the new cap on excessive rates.
Funding
InstaDeep and BioNTech: Lessons for Tunisian Tech
Founded in Tunis with two laptops, InstaDeep was bought by BioNTech for up to £562 million. What the deal teaches Tunisian tech and fintech founders.
Startups
Paymee: Profile of a Tunisian Payment Pioneer Under Pressure
Paymee helped Tunisian merchants accept card payments online and at delivery. A 2023 anti-money laundering freeze, later linked to a regulatory grey zone, put the company at risk.
Africa
Egypt Fintech: InstaPay, MNT-Halan and Fawry Explained
A central-bank payment rail, a listed incumbent and a unicorn lender: how Egypt built North Africa's biggest fintech market, and what Tunisia can take from it.
Ecosystem
Tunisia vs Morocco vs Egypt: North African Fintech Compared
Egypt has scale and InstaPay, Morocco has 16 million payment accounts, Tunisia trails on inclusion. A data-driven comparison of North Africa's fintech markets.
Regulation
Data Protection in Tunisia: What Fintechs Must Know
Tunisia's 2004 data protection law still applies, its regulator has barely functioned since 2024, and a GDPR-style reform is in committee. What fintechs should do now.
Banking
Insurtech in Tunisia: A Growing Market Slow to Go Digital
Tunisian insurers wrote a record TND 4.26 billion in premiums in 2025, yet penetration is stuck below 2.5% of GDP. Digital claims, embedded cover and new distribution rules could open the door to insurtech.
Financial inclusion
Women's Financial Inclusion in Tunisia: A Widening Gap
The gender gap in account ownership in Tunisia grew to 23 points in 2024. Cash wages, low incomes and distance keep women outside the financial system.
Africa
The eNaira's Struggles: CBDC Lessons for North Africa
Africa's first central bank digital currency attracted millions of wallets but almost no use. Nigeria is now repositioning it, and North African central banks should take note.
Ecosystem
Tunisia's Tech Brain Drain: What It Means for Fintech
More than 7,000 engineers left Tunisia in 2025, according to their professional order. What the emigration wave means for fintech teams, and what founders can do.
Regulation
e-KYC and AML in Tunisia: Remote Onboarding Rules
Tunisian banks and payment institutions can now onboard customers remotely, but under strict biometric, audit and AML conditions. Here is what the BCT requires.
Payments
How to Receive Money in Tunisia from Abroad: 2026 Guide
Bank account, cash pickup at an agent or post office, or a mobile wallet: what recipients in Tunisia need to collect money sent from abroad, and how to stay safe.
Banking
Islamic Fintech in Tunisia: Zitouna, Al Baraka and Wifak
Islamic banks hold a single-digit share of Tunisian banking, but their wallets, agent networks and microfinance platforms are where Islamic fintech is taking shape.
Africa
Flutterwave, Paystack and Africa's Payment Rails
Africa's two best-known payment gateways are no longer just gateways. Flutterwave bought Mono and took Ripple's money; Paystack bought a bank. Here is why.
Banking
Neobanks in Tunisia: Why None Exists Yet, and What Would Change
No app-only bank operates in Tunisia. The law, wallet caps and capital rules explain why, and payment institutions are filling part of the gap.
Africa
M-Pesa Lessons: What North Africa Can Learn From Kenya
M-Pesa turned Kenya into a mobile money nation, then flopped in South Africa. The difference holds useful lessons for Tunisia's wallet market.
Regulation
Tunisia's FX Code Reform: Where It Stands for Startups
Resident FX accounts are now legal, but the new foreign exchange code is still stuck in committee. A status check for founders, as of October 2026.
Banking
Open Banking in Tunisia: Where Things Stand in 2026
Open banking has been debated in Tunisia since 2018, but no rule yet obliges banks to open APIs. Here is what exists, what is missing and how founders can work around it.
Funding
Venture Capital in Tunisia: Who Invests in Startups (2026)
Who writes cheques for Tunisian startups in 2026? A guide to local seed funds, regional VCs and corporate investors, with ticket sizes.
Africa
Morocco Fintech: Wallets, Regulation and Startups
13.8 million wallets, a crowdfunding law and a MiCA-style crypto bill: how Morocco is regulating fintech, and what Tunisia can take from it.
Regulation
Tunisia's 2025 Labour Law Reform: What It Means for Startups
Law 2025-9 made permanent contracts the norm and banned labour subcontracting. For startups that relied on short contracts and outsourced developers, the rules have changed.
Africa
PAPSS: How Africa's Pan-African Payment System Works
PAPSS promises cross-border payments between African countries in local currencies, without routing through dollars or euros. Tunisia joined in 2024. Is it being used?
Africa
Stablecoins in Africa: Adoption, Rules and Tunisia
Sub-Saharan Africa received over $205 billion in crypto in a year, and stablecoins are now a dollar substitute. Regulators are moving from bans to licences. Tunisia has not yet.
Africa
How Wave Mobile Money Disrupted Pricing in Senegal
Wave scrapped cash-out fees and charged a flat 1% to send, forcing Senegal's incumbent to follow. Now taxes, a public instant payment rail and a bank are changing the game.
Funding
Near-Zero Equity Deals: Tunisia's Startup Drought in H1 2026
Tunisian startups closed almost no disclosed equity rounds in the first half of 2026, against six deals worth $5.4 million a year earlier. Here is why.
Funding
Tunisian Startups Raised Just $300,000 in H1 2026
Tunisian startups raised about $300,000 in the first half of 2026, while the MENA region raised $1.7 billion. What the gap means for founders.
Regulation
Bolt Withdraws From Tunisia After Money-Laundering Probe
Six weeks after Tunisia suspended it over money-laundering and licensing allegations, Bolt shut down without explanation. What happened and why it matters.
Startups
EasyBank Raises $370K to Simplify Access to Credit in Tunisia
Founded in 2023, Tunisian fintech EasyBank raised 1.2 million dinars to grow its AI-driven platform for loans and banking services and expand abroad.
Banking
Arab Tunisian Bank Goes Live on Temenos Core Banking
In 2022, Arab Tunisian Bank moved its retail and corporate core banking to Temenos, with digital banking and payments planned next. What changed and why.
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