{"id":26544,"date":"2026-01-16T16:48:42","date_gmt":"2026-01-16T15:48:42","guid":{"rendered":"https:\/\/www.amef-consulting.com\/?p=26544"},"modified":"2026-01-16T19:08:44","modified_gmt":"2026-01-16T18:08:44","slug":"tunisian-banking-sector-regulatory-retrospective-2025","status":"publish","type":"post","link":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/","title":{"rendered":"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025"},"content":{"rendered":"\t\t
\n\t\t\t\t\t\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t

1. Introduction<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t

Between prudential caution, accelerated digitalisation and strengthened compliance requirements, 2025 will have been above all a year of \u201cexecution\u201d: the Central Bank of Tunisia (BCT) translated structuring projects (cheque reform, Basel\/IFRS convergence, modernisation of foreign exchange, AML\/CFT) into operational texts directly actionable by banks.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t

2. Financial stability<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
\n\t\t\t\t\t\t
\n\t\t\t\t\t
\n\t\t\t
\n\t\t\t\t\t\t\t\t
\n\t\t\t\t
\n\t\t\t\t\t\t\t

Two key messages prevail: preserving equity capital and strengthening risk management tools.<\/p>

  • 2024 Dividends<\/strong>: Prudent Framework. Circular No. 2025-02 sets conditions for distribution (ceiling, buffer requirements, prior approval as applicable) and reiterates a simple principle: distribution occurs if and only if solvency remains comfortably above minimum levels.<\/li>
  • Risk Diversification\/Hedging<\/strong>: Prudential Adjustments. Circular No. 2025-01 continues the strengthening initiated since 2020 (particularly regarding hedging\/provisioning parameters).<\/li>
  • Preparatory Measures for Prudential and Regulatory Reforms<\/strong>: Circular No. 2025-08 reads like an “alignment” document: it organizes the operational implementation (governance, data, methods) before more structural steps.<\/li>
  • Cr\u00e9dit Agricole<\/strong>: Revision of Rates\/Margins. Circular No. 2025-11 reconfigures parameters applicable to agricultural financing, with a direct impact on the supply, pricing, and monitoring of the portfolios concerned.<\/li><\/ul>

    Concrete impacts for banks<\/strong>: dividend vs. buffer trade-offs, ICAAP\/ILAAP robustness and stress tests, risk data quality, and consistency between methods and provisions.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

    \n\t\t\t\t\t\t
    \n\t\t\t\t\t
    \n\t\t\t
    \n\t\t\t\t\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t

    3. Check reform<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
    \n\t\t\t\t\t\t
    \n\t\t\t\t\t
    \n\t\t\t
    \n\t\t\t\t\t\t\t\t
    \n\t\t\t\t
    \n\t\t\t\t\t\t\t

    2025 marks a significant acceleration towards securing and ensuring the traceability of check payments.<\/p>

    • Platform operating framewor<\/strong>k: Circular No. 2025-03 establishes the operational conditions for the Single Electronic Check Platform.<\/li>
    • List of participating institutions<\/strong>: Circular No. 2025-04 publishes the list and specifies a principle of updating it at least semi-annually.<\/li>
    • Electronic enrollment<\/strong>: Circular No. 2025-06 organizes the enrollment of stakeholders (processes, obligations, and procedures), which is essential for widespread deployment.<\/li>
    • List update<\/strong>: Circular No. 2025-09 updates the list of participating institutions, following the announced semi-annual schedule.<\/li><\/ul>

      Concrete impacts<\/strong>: IT\/electronic payment system adaptation, front\/back office procedures, access management, internal control mechanisms, and customer communication (acceptance conditions, deadlines, rejections, and traceability).
      Historique
      Enregistr\u00e9es<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

      \n\t\t\t\t\t\t
      \n\t\t\t\t\t
      \n\t\t\t
      \n\t\t\t\t\t\t\t\t
      \n\t\t\t\t
      \n\t\t\t

      4.Banking conditions<\/h3>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
      \n\t\t\t\t\t\t
      \n\t\t\t\t\t
      \n\t\t\t
      \n\t\t\t\t\t\t\t\t
      \n\t\t\t\t
      \n\t\t\t\t\t\t\t

      The Central Bank of Tunisia (BCT) intervenes in areas of customer concern.<\/p>

      • Savings interest rate (TRE)<\/strong>: Circular No. 2025-07 sets the TRE (with an effective date of April 1, 2025) and updates the body of banking conditions.<\/li>
      • Financing of community companies<\/strong>: capped preferential rate. Circular No. 2025-14 imposes a cap on interest rates (TMM reference + maximum margin) for loans granted using equity, in line with changes to the legal framework for community companies (Decree-Law No. 2025-3).<\/li><\/ul>

        Concrete impacts<\/strong>: pricing and compliance settings, updating of general terms and conditions, ALM\/PNB governance (impact on margins), and compliance verification (ex-post controls).<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

        \n\t\t\t\t\t\t
        \n\t\t\t\t\t
        \n\t\t\t
        \n\t\t\t\t\t\t\t\t
        \n\t\t\t\t
        \n\t\t\t

        5. Exchange, foreign trade and mobility<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
        \n\t\t\t\t\t\t
        \n\t\t\t\t\t
        \n\t\t\t
        \n\t\t\t\t\t\t\t\t
        \n\t\t\t\t
        \n\t\t\t\t\t\t\t

        2025 combined two key levers: digitization and simplification.<\/p>

        • Studies\/internships abroad<\/strong>: Circular No. 2025-10 revises the limits and procedures, explicitly extending the program to academic internships.<\/li>
        • Remote submission of foreign exchange authorization requests<\/strong>: Circular No. 2025-12 establishes remote submission\/processing procedures, with a strong focus on customer experience and traceability.
          Exports: payment terms and rules: Circular No. 2025-13 relaxes constraints to support competitiveness and streamline operations.<\/li><\/ul>

          Concrete impacts<\/strong>: redesigned FX processes, document control, foreign exchange compliance, processing SLAs, reporting, and team training.
          Envoyer des commentaires
          Panneaux lat\u00e9raux
          Historique
          Enregistr\u00e9es<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

          \n\t\t\t\t\t\t
          \n\t\t\t\t\t
          \n\t\t\t
          \n\t\t\t\t\t\t\t\t
          \n\t\t\t\t
          \n\t\t\t

          6. Compliance & Control<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
          \n\t\t\t\t\t\t
          \n\t\t\t\t\t
          \n\t\t\t
          \n\t\t\t\t\t\t\t\t
          \n\t\t\t\t
          \n\t\t\t\t\t\t\t
          • AML\/CFT\/Asset Freezing\/Proliferation<\/strong>: Circular No. 2025-17 replaces\/updates the previous framework (reference to Circular 2017-08), with a “programming” effect on KYC, screening, monitoring, and compliance governance.<\/li>
          • On-site inspections: formalization of resources<\/strong>: Circular No. 2025-15 sets out the specifications for the mission order and professional card of Central Bank of Tunisia (BCT) agents responsible for on-site inspections (addressing the issue of legal certainty and standardization of interventions).<\/li><\/ul>

            Concrete impacts<\/strong>: recalibration of the AML\/CFT framework (policies, scenarios, investigations, asset freezing), preparation for inspections, and traceability of supervisor\/bank communications.<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t

            \n\t\t\t\t\t\t
            \n\t\t\t\t\t
            \n\t\t\t
            \n\t\t\t\t\t\t\t\t
            \n\t\t\t\t
            \n\t\t\t

            7. List of BCT Circulars<\/h2>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
            \n\t\t\t\t\t\t
            \n\t\t\t\t\t
            \n\t\t\t
            \n\t\t\t\t\t\t\t\t
            \n\t\t\t\t
            \n\t\t\t\t\t\t\t
            • 2025-01<\/strong>: Risk diversification\/hedging & monitoring of commitments (prudential adjustments).<\/li>
            • 2025-02<\/strong>: Distribution of dividends for 2024.<\/li>
            • 2025-03<\/strong>: Operating conditions of the Single Electronic Checking Platform.<\/li>
            • 2025-04<\/strong>: List of institutions participating in TuniCh\u00e8que + semi-annual update.<\/li>
            • 2025-06<\/strong>: Electronic enrollment on the platform (operational procedures).<\/li>
            • 2025-07<\/strong>: Regulation of banking conditions \/ setting of the TRE (Tunisian Exchange Rate).<\/li>
            • 2025-08<\/strong>: Preliminary measures for prudential and regulatory reforms.<\/li>
            • 2025-09<\/strong>: Update of the list of institutions participating in the checking platform.<\/li>
            • 2025-10<\/strong>: Transfers for tuition and academic internship expenses abroad.<\/li>
            • 2025-11<\/strong>: Revision of parameters applicable to agricultural credit.<\/li>
            • 2025-12<\/strong>: Remote filing\/processing of authorization requests related to foreign exchange transactions.<\/li>
            • 2025-13<\/strong>: Relaxations related to exports (payment deadlines\/rules).<\/li>
            • 2025-14<\/strong>: Capped preferential interest rate for loans to community companies (ref. decree-law 2025-3).<\/li>
            • 2025-15<\/strong>: Specifications for mission orders\/cards of Central Bank of Tunisia (BCT) agents (on-site inspections).<\/li>
            • 2025-16<\/strong>: Operational rules related to the tourist allowance (Hajj 2026).<\/li>
            • 2025-17<\/strong>: Overhaul\/update of the AML\/CFT framework (and associated obligations).<\/li><\/ul>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"

              1. Introduction Between prudential caution, accelerated digitalisation and strengthened compliance requirements, 2025 will have been above all a year of \u201cexecution\u201d: the Central Bank of Tunisia (BCT) translated structuring projects (cheque reform, Basel\/IFRS convergence, modernisation of foreign exchange, AML\/CFT) into operational texts directly actionable by banks. 2. Financial stability Two […]<\/p>\n","protected":false},"author":2,"featured_media":26539,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[114],"tags":[],"yoast_head":"\nTunisian Banking Sector \u2013 Regulatory Retrospective 2025 - AMEF Consulting<\/title>\n<meta name=\"description\" content=\"Discover secure digital financial services for businesses and individuals. From mobile payments to online banking, find reliable and easy-to-use solutions to manage your finances safely."This meta description is concise, includes key terms like "secure digital financial services," "mobile payments," and "online banking," and focuses on user intent. It\u2019s easy to read and optimized for search engines.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025\" \/>\n<meta property=\"og:description\" content=\"Discover secure digital financial services for businesses and individuals. From mobile payments to online banking, find reliable and easy-to-use solutions to manage your finances safely."This meta description is concise, includes key terms like "secure digital financial services," "mobile payments," and "online banking," and focuses on user intent. It\u2019s easy to read and optimized for search engines.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/\" \/>\n<meta property=\"og:site_name\" content=\"AMEF Consulting\" \/>\n<meta property=\"article:published_time\" content=\"2026-01-16T15:48:42+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-01-16T18:08:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2026\/01\/BCT3.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"620\" \/>\n\t<meta property=\"og:image:height\" content=\"330\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"AMEF Consulting\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"AMEF Consulting\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/\"},\"author\":{\"name\":\"AMEF Consulting\",\"@id\":\"https:\/\/www.amef-consulting.com\/#\/schema\/person\/e180f380b5bda1f87b27118d6b43c67e\"},\"headline\":\"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025\",\"datePublished\":\"2026-01-16T15:48:42+00:00\",\"dateModified\":\"2026-01-16T18:08:44+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/\"},\"wordCount\":757,\"publisher\":{\"@id\":\"https:\/\/www.amef-consulting.com\/#organization\"},\"articleSection\":[\"Actuality\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/\",\"url\":\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/\",\"name\":\"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025 - AMEF Consulting\",\"isPartOf\":{\"@id\":\"https:\/\/www.amef-consulting.com\/#website\"},\"datePublished\":\"2026-01-16T15:48:42+00:00\",\"dateModified\":\"2026-01-16T18:08:44+00:00\",\"description\":\"Discover secure digital financial services for businesses and individuals. From mobile payments to online banking, find reliable and easy-to-use solutions to manage your finances safely.\\\"This meta description is concise, includes key terms like \\\"secure digital financial services,\\\" \\\"mobile payments,\\\" and \\\"online banking,\\\" and focuses on user intent. It\u2019s easy to read and optimized for search engines.\",\"breadcrumb\":{\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\/\/www.amef-consulting.com\/en\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/www.amef-consulting.com\/#website\",\"url\":\"https:\/\/www.amef-consulting.com\/\",\"name\":\"AMEF Consulting\",\"description\":\"Conseil en strat\u00e9gie et management - Strategy and Management Advisory\",\"publisher\":{\"@id\":\"https:\/\/www.amef-consulting.com\/#organization\"},\"alternateName\":\"AMEF\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/www.amef-consulting.com\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\/\/www.amef-consulting.com\/#organization\",\"name\":\"AMEF Consulting\",\"alternateName\":\"AMEF\",\"url\":\"https:\/\/www.amef-consulting.com\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/www.amef-consulting.com\/#\/schema\/logo\/image\/\",\"url\":\"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2021\/04\/logo_fond-blanc.jpg.jpg\",\"contentUrl\":\"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2021\/04\/logo_fond-blanc.jpg.jpg\",\"width\":514,\"height\":304,\"caption\":\"AMEF Consulting\"},\"image\":{\"@id\":\"https:\/\/www.amef-consulting.com\/#\/schema\/logo\/image\/\"},\"sameAs\":[\"https:\/\/www.linkedin.com\/company\/amef-consulting\/\",\"https:\/\/www.youtube.com\/channel\/UCl0kR8Is0EBObFgCe-vRiCQ\"]},{\"@type\":\"Person\",\"@id\":\"https:\/\/www.amef-consulting.com\/#\/schema\/person\/e180f380b5bda1f87b27118d6b43c67e\",\"name\":\"AMEF Consulting\",\"url\":\"https:\/\/www.amef-consulting.com\/en\/author\/amef\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025 - AMEF Consulting","description":"Discover secure digital financial services for businesses and individuals. From mobile payments to online banking, find reliable and easy-to-use solutions to manage your finances safely.\"This meta description is concise, includes key terms like \"secure digital financial services,\" \"mobile payments,\" and \"online banking,\" and focuses on user intent. It\u2019s easy to read and optimized for search engines.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/","og_locale":"en_US","og_type":"article","og_title":"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025","og_description":"Discover secure digital financial services for businesses and individuals. From mobile payments to online banking, find reliable and easy-to-use solutions to manage your finances safely.\"This meta description is concise, includes key terms like \"secure digital financial services,\" \"mobile payments,\" and \"online banking,\" and focuses on user intent. It\u2019s easy to read and optimized for search engines.","og_url":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/","og_site_name":"AMEF Consulting","article_published_time":"2026-01-16T15:48:42+00:00","article_modified_time":"2026-01-16T18:08:44+00:00","og_image":[{"width":620,"height":330,"url":"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2026\/01\/BCT3.jpg","type":"image\/jpeg"}],"author":"AMEF Consulting","twitter_card":"summary_large_image","twitter_misc":{"Written by":"AMEF Consulting"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/#article","isPartOf":{"@id":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/"},"author":{"name":"AMEF Consulting","@id":"https:\/\/www.amef-consulting.com\/#\/schema\/person\/e180f380b5bda1f87b27118d6b43c67e"},"headline":"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025","datePublished":"2026-01-16T15:48:42+00:00","dateModified":"2026-01-16T18:08:44+00:00","mainEntityOfPage":{"@id":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/"},"wordCount":757,"publisher":{"@id":"https:\/\/www.amef-consulting.com\/#organization"},"articleSection":["Actuality"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/","url":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/","name":"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025 - AMEF Consulting","isPartOf":{"@id":"https:\/\/www.amef-consulting.com\/#website"},"datePublished":"2026-01-16T15:48:42+00:00","dateModified":"2026-01-16T18:08:44+00:00","description":"Discover secure digital financial services for businesses and individuals. From mobile payments to online banking, find reliable and easy-to-use solutions to manage your finances safely.\"This meta description is concise, includes key terms like \"secure digital financial services,\" \"mobile payments,\" and \"online banking,\" and focuses on user intent. It\u2019s easy to read and optimized for search engines.","breadcrumb":{"@id":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/"]}]},{"@type":"BreadcrumbList","@id":"https:\/\/www.amef-consulting.com\/en\/2026\/01\/tunisian-banking-sector-regulatory-retrospective-2025\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/www.amef-consulting.com\/en\/"},{"@type":"ListItem","position":2,"name":"Tunisian Banking Sector \u2013 Regulatory Retrospective 2025"}]},{"@type":"WebSite","@id":"https:\/\/www.amef-consulting.com\/#website","url":"https:\/\/www.amef-consulting.com\/","name":"AMEF Consulting","description":"Conseil en strat\u00e9gie et management - Strategy and Management Advisory","publisher":{"@id":"https:\/\/www.amef-consulting.com\/#organization"},"alternateName":"AMEF","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/www.amef-consulting.com\/?s={search_term_string}"},"query-input":"required name=search_term_string"}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/www.amef-consulting.com\/#organization","name":"AMEF Consulting","alternateName":"AMEF","url":"https:\/\/www.amef-consulting.com\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/www.amef-consulting.com\/#\/schema\/logo\/image\/","url":"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2021\/04\/logo_fond-blanc.jpg.jpg","contentUrl":"https:\/\/www.amef-consulting.com\/\/wp-content\/uploads\/2021\/04\/logo_fond-blanc.jpg.jpg","width":514,"height":304,"caption":"AMEF Consulting"},"image":{"@id":"https:\/\/www.amef-consulting.com\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.linkedin.com\/company\/amef-consulting\/","https:\/\/www.youtube.com\/channel\/UCl0kR8Is0EBObFgCe-vRiCQ"]},{"@type":"Person","@id":"https:\/\/www.amef-consulting.com\/#\/schema\/person\/e180f380b5bda1f87b27118d6b43c67e","name":"AMEF Consulting","url":"https:\/\/www.amef-consulting.com\/en\/author\/amef\/"}]}},"_links":{"self":[{"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/posts\/26544"}],"collection":[{"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/comments?post=26544"}],"version-history":[{"count":66,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/posts\/26544\/revisions"}],"predecessor-version":[{"id":26613,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/posts\/26544\/revisions\/26613"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/media\/26539"}],"wp:attachment":[{"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/media?parent=26544"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/categories?post=26544"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.amef-consulting.com\/en\/wp-json\/wp\/v2\/tags?post=26544"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}