Expert Accountant Anis Ben Abdallah Comments on Latest Statistics from the Central Bank of Tunisia
The expert accountant Anis Ben Abdallah has commented on the latest statistics from the Central Bank of Tunisia (BCT), revealing a notable evolution in the use of checks and bills of exchange during the first half of 2025.
Key Statistics
According to official data, 4,112,600 checks were used between January and June 2025, compared to 12,289,700 checks for the same period in 2024, representing a decrease of 66.5%. Speaking on Express FM, Ben Abdallah described this decline as normal, explaining that the introduction of the new check format led to delays and that many companies and merchants temporarily hesitated to accept checks as a precautionary measure due to the use of the new platform.
The Evolution of Check Usage
The expert further noted that the check, once widely used as a guarantee tool, is now returning to its primary function as a means of payment. In parallel, the use of bills of exchange has increased significantly, confirming their role as a true deferred payment method. Ben Abdallah emphasized that the acceptance of bills of exchange relies on trust between the customer and the merchant, adding that the past preference for checks was due to the longer delays in the procedures for sanctioning and monitoring bills of exchange.
Adoption of the New Legal Framework
The expert highlighted that the adoption of the new legal framework is progressing gradually, and the acceptance of checks is increasing, despite some banks being cautious in issuing checks, which partially explains the overall decrease in their number, exacerbated by the setting of ceilings.
Increase in Bank Transfers and Temporary Cash Payments
In the same context, Ben Abdallah noted an increase in bank transfers during the first half of the year and indicated that the increase in cash payments is only temporary, limited to the transition phase. He emphasized that checks are now more secure and highlighted the role of banks in offering innovative services and credit via payment cards, strengthening the use of deferred payment.
Conclusion
In conclusion, the expert accountant Anis Ben Abdallah's analysis of the latest statistics from the Central Bank of Tunisia reveals a significant shift in the use of checks and bills of exchange, with a decline in check usage and an increase in bill of exchange usage. The adoption of the new legal framework and the introduction of new payment methods are expected to continue to shape the payment landscape in Tunisia.
