According to the annual report from the Central Bank of Tunisia (BCT) published this Tuesday, payment habits in Tunisia underwent a profound transformation in 2025. The use of checks experienced a historic collapse, with a 67.5% decrease in the number of transactions and a 58.8% decrease in value. This decline is explained by legislative reforms and the adoption of new instruments. Consequently, bank transfers have become the primary clearing channel, representing 60% of the total value at 79.8 billion dinars. At the same time, the use of bills of exchange (lettre de change) surged by 161% in volume. Digitalization is also progressing strongly, particularly through mobile payments, which increased by 80.5%. These developments reflect the success of the National Strategy for the Development of Digital Payments, which aims to strengthen financial inclusion and transaction security.