“Buy Now, Pay Later” in Tunisia: Who Offers These Services?
Faced with strained purchasing power and limitations on using checks as a form of guarantee, innovative payment solutions are emerging in Tunisia. “Buy Now, Pay Later” (BNPL) is gradually establishing itself as a flexible, digital, and alternative consumption method. Several Tunisian banks have recently launched their own BNPL offerings to meet the increasing needs of households and boost consumer spending.
BNPL Providers in Tunisia
The reform of the law on checks, effective since early 2025, has led to a decline in the use of checks as an informal credit tool, particularly in sectors like commerce, healthcare, and education. This shift has highlighted the need to develop more regulated deferred payment mechanisms. BNPL, which enables payment in installments without cumbersome formalities, addresses this demand. BTK BANK and Amen Bank are among the financial institutions that have paved the way, with BTK BANK offering a fully digital BNPL solution.
In conclusion, the rise of BNPL in Tunisia is a direct response to evolving economic conditions and regulatory changes. As Tunisian consumers seek more flexible payment options, and with major players like BTK BANK leading the charge, BNPL is poised to become an increasingly popular way to manage expenses and access goods and services.
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