https://fintechtunisia.com/Independent, sourced reporting on fintech in Tunisia and across Africa.enhttps://fintechtunisia.com/blog/tunisia-fintech-ecosystem-map.htmlhttps://fintechtunisia.com/blog/tunisia-fintech-ecosystem-map.htmlSat, 10 Oct 2026 08:00:00 +0100EcosystemFrom 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.https://fintechtunisia.com/blog/tunisia-startup-funding-trends.htmlhttps://fintechtunisia.com/blog/tunisia-startup-funding-trends.htmlSat, 10 Oct 2026 08:00:00 +0100FundingAfter $39 million in 2025, Tunisian startups recorded almost no disclosed equity deals in the first half of 2026. Here is what the numbers show.https://fintechtunisia.com/blog/payment-institutions-tunisia.htmlhttps://fintechtunisia.com/blog/payment-institutions-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100RegulationThe 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.https://fintechtunisia.com/blog/mobile-payments-tunisia.htmlhttps://fintechtunisia.com/blog/mobile-payments-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100PaymentsTunisia'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.https://fintechtunisia.com/blog/startup-act-tunisia-explained.htmlhttps://fintechtunisia.com/blog/startup-act-tunisia-explained.htmlSat, 10 Oct 2026 08:00:00 +0100EcosystemThe 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.https://fintechtunisia.com/blog/bct-regulatory-sandbox.htmlhttps://fintechtunisia.com/blog/bct-regulatory-sandbox.htmlSat, 10 Oct 2026 08:00:00 +0100RegulationLaunched 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.https://fintechtunisia.com/blog/cheapest-way-send-money-to-tunisia.htmlhttps://fintechtunisia.com/blog/cheapest-way-send-money-to-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100PaymentsSending €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.https://fintechtunisia.com/blog/ai-in-tunisian-banking.htmlhttps://fintechtunisia.com/blog/ai-in-tunisian-banking.htmlSat, 10 Oct 2026 08:00:00 +0100BankingChatbots, 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.https://fintechtunisia.com/blog/cash-economy-tunisia.htmlhttps://fintechtunisia.com/blog/cash-economy-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100Financial inclusionMore 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.https://fintechtunisia.com/blog/anava-fund-of-funds.htmlhttps://fintechtunisia.com/blog/anava-fund-of-funds.htmlSat, 10 Oct 2026 08:00:00 +0100FundingBacked 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.https://fintechtunisia.com/blog/afcfta-digital-trade-payments.htmlhttps://fintechtunisia.com/blog/afcfta-digital-trade-payments.htmlSat, 10 Oct 2026 08:00:00 +0100AfricaAfrica 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.https://fintechtunisia.com/blog/ecommerce-payments-tunisia.htmlhttps://fintechtunisia.com/blog/ecommerce-payments-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100PaymentsOnline 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.https://fintechtunisia.com/blog/diaspora-remittances-tunisia.htmlhttps://fintechtunisia.com/blog/diaspora-remittances-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100Financial inclusionTunisians 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.https://fintechtunisia.com/blog/expensya-medius-acquisition.htmlhttps://fintechtunisia.com/blog/expensya-medius-acquisition.htmlSat, 10 Oct 2026 08:00:00 +0100FundingFounded in Tunis in 2014, Expensya was acquired by Sweden's Medius in 2023. How the exit happened and what it means for Tunisian founders.https://fintechtunisia.com/blog/flouci-profile.htmlhttps://fintechtunisia.com/blog/flouci-profile.htmlSat, 10 Oct 2026 08:00:00 +0100StartupsFounded 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.https://fintechtunisia.com/blog/african-fintech-funding.htmlhttps://fintechtunisia.com/blog/african-fintech-funding.htmlSat, 10 Oct 2026 08:00:00 +0100AfricaAfrican 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.https://fintechtunisia.com/blog/tunisia-fintech-key-numbers.htmlhttps://fintechtunisia.com/blog/tunisia-fintech-key-numbers.htmlSat, 10 Oct 2026 08:00:00 +0100EcosystemFewer 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.https://fintechtunisia.com/blog/crowdfunding-law-tunisia.htmlhttps://fintechtunisia.com/blog/crowdfunding-law-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100RegulationSix 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.https://fintechtunisia.com/blog/instant-payments-tunisia.htmlhttps://fintechtunisia.com/blog/instant-payments-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100PaymentsTunisians 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.https://fintechtunisia.com/blog/cybersecurity-financial-sector-tunisia.htmlhttps://fintechtunisia.com/blog/cybersecurity-financial-sector-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100BankingBCT circular 2026-10 and Decree-law 2023-17 make security audits, incident reporting and strong remote identity checks mandatory for Tunisian payment fintechs.https://fintechtunisia.com/blog/financial-inclusion-tunisia.htmlhttps://fintechtunisia.com/blog/financial-inclusion-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100Financial inclusionTunisia's account ownership rate has barely moved since 2017. The latest Findex data shows who is left out, and why cash still dominates.https://fintechtunisia.com/blog/how-to-raise-funding-tunisian-fintech.htmlhttps://fintechtunisia.com/blog/how-to-raise-funding-tunisian-fintech.htmlSat, 10 Oct 2026 08:00:00 +0100FundingFrom 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.https://fintechtunisia.com/blog/konnect-networks-profile.htmlhttps://fintechtunisia.com/blog/konnect-networks-profile.htmlSat, 10 Oct 2026 08:00:00 +0100StartupsFounded 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.https://fintechtunisia.com/blog/african-fintech-unicorns.htmlhttps://fintechtunisia.com/blog/african-fintech-unicorns.htmlSat, 10 Oct 2026 08:00:00 +0100AfricaAlmost every African unicorn is a fintech. Who they are, how reliable their valuations are, and why none of them is Tunisian.https://fintechtunisia.com/blog/tunisia-incubators-accelerators.htmlhttps://fintechtunisia.com/blog/tunisia-incubators-accelerators.htmlSat, 10 Oct 2026 08:00:00 +0100EcosystemFrom Flat6Labs' seed tickets to bank-run labs and Visa's African fintech accelerator: where Tunisian fintech founders can find support, and how to choose.https://fintechtunisia.com/blog/crypto-regulation-tunisia.htmlhttps://fintechtunisia.com/blog/crypto-regulation-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100RegulationTunisia has no crypto law, but the foreign exchange code makes holding and trading crypto legally risky. Draft reforms would change that, if adopted.https://fintechtunisia.com/blog/la-poste-tunisienne-e-dinar-d17.htmlhttps://fintechtunisia.com/blog/la-poste-tunisienne-e-dinar-d17.htmlSat, 10 Oct 2026 08:00:00 +0100PaymentsLong 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.https://fintechtunisia.com/blog/digital-banking-tunisia.htmlhttps://fintechtunisia.com/blog/digital-banking-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100BankingMobile 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.https://fintechtunisia.com/blog/microfinance-tunisia.htmlhttps://fintechtunisia.com/blog/microfinance-tunisia.htmlSat, 10 Oct 2026 08:00:00 +0100Financial inclusionMore 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.https://fintechtunisia.com/blog/instadeep-biontech-lessons.htmlhttps://fintechtunisia.com/blog/instadeep-biontech-lessons.htmlSat, 10 Oct 2026 08:00:00 +0100FundingFounded in Tunis with two laptops, InstaDeep was bought by BioNTech for up to £562 million. What the deal teaches Tunisian tech and fintech founders.