An Accelerated Transition to Mobile and QR Codes 1. An Accelerated Transition to Mobile and QR Codes Tunisia is experiencing a true revolution in digital payments. According to the Central Bank, mobile payments jumped by more than 40% in the first half of 2025, reaching nearly 2.9 billion dinars. This growth is driven by everyday uses such as P2P transfers, contactless payments, and withdrawals via QR code. Traditional POS terminals are now often accompanied by QR code terminals, allowing customers to scan a code with their banking app to pay without a card or contact. 2. Banking Reform and Checks with QR Codes Since February 2025, old checkbooks have been replaced by a modernized version incorporating a QR code. This code allows for instant verification of the check's validity via a dedicated platform, reducing the risk of bounced checks. This reform is part of a broader effort to digitize the Tunisian banking sector, providing more transparent and secure tools for both individuals and businesses. 3. QR Codes in Public and Customs Services Digitalization is not limited to commercial payments. Tunisian Customs has introduced QR codes to simplify procedures for Tunisians residing abroad. Before their arrival, they must complete online forms, which generate a QR code to present at the border to expedite the process. This initiative illustrates the country's ambition to modernize its public services through digital technologies, while also facilitating interactions between citizens and the administration.