Pay in stores with his mobile phone! We have been talking about it for a long time; we are wondering why it is not yet applied in Tunisia. It may would be a little faster after Tunisian Monetary Society (SMT) finally approached this approach at Expo Finance 2017 held at the Charguia exhibition center in the suburbs of the capital Tunis. Moreover it is important to remind regarding this fact, that it is the SMT * which administers the electronic payment terminal (TPE) market in Tunisia.
NFC or near-field communication is a technology used to connect two devices positioned at a distance of no more than 10 mm and which allows the exchange of data; Mobile TPE is one of them.
Let's go back to our beloved country, where we are talking about a number of 13500 TPEs in 2016, an increase of 4% compared to the previous year; this modest rate is the shimmer of anxiety that Tunisians have when it comes to paying online, namely entering their bank details to obtain a product / service and also the doubt not to be delivered or that the delivered good does not correspond exactly to ones expectations. We thus notice, according to the number of transactions that has been declared by the CEO of the SMT which exceeded 1 million transactions until September 2017, that the Tunisian prefers to pay on the internet when it comes to non-material services like to pay an invoice or to make an online booking, avoiding any payment for the acquisition of a material good which requires a whole process of delivery. However, it is important to remember that the order management of any material will surely be faster and easier if we fit with the assets of e-commerce and trust more online payment sites.
One word to use to answer this question: Security, a detail that seems prominent all over the world, considered nevertheless delicate and accentuated for the Tunisian people. The upward mindset of not trusting technology, or any third part, dominates the spirit of society. In view of the paroxysm of mobile phones robberies in an unbounded way, we begin to wonder if it is really favorable that one puts all his banking details together, in an electronic gadget.
SMT: Société Monétique Tunisienne (Tunisian Electronic Banking Company)