Mobile Payment
in the World and in Tunisia

1. Massive Adoption of Mobile Payment Worldwide

Mobile payment is experiencing spectacular growth on a global scale. In 2024, more than 2.8 billion people used mobile payment solutions source , which is nearly 35% of the world's population. In China, the undisputed leader, over 90% of transactions in urban areas are now made via smartphone (WeChat Pay, Alipay).

In Europe, progress is rapid, although usage varies by country. According to a study by the European Central Bank (ECB) ECB source :

• In 2024, 29% of point-of-sale payments in Europe were made via mobile or smartwatch, compared to 12% in 2019.
• Among 15-29 year olds, this figure rises to 44%.
• In France, 63% of French people (about 42 million people) know and use contactless mobile payment. Finyear source
• In the Eurozone, 6% of in-store payments are made via mobile and 7% by value.
• In the Netherlands, Finland, and Ireland, mobile payment exceeds 10% of point-of-sale transactions.

The adoption of mobile payment is also accelerating in several European countries, with very popular local applications:

• In Poland, BLIK is used by more than 17 million people.
• In Spain, Bizum has about 27.6 million users.
• In Switzerland, TWINT exceeds 5 million users.
• In the Nordic countries (Norway, Denmark, Finland), Vipps and MobilePay have a combined total of more than 4 million users per country.

Africa, for its part, is emerging as an innovative continent in mobile money. According to the GSMA, more than 760 million mobile money accounts were active in 2023, especially in underbanked areas.

In Tunisia, the Central Bank (BCT) attributes the rise of mobile payment to an ambitious strategic plan: accelerating the digitalization of payments, reducing cash usage, and strengthening financial inclusion. This policy is bearing fruit: compared to the same period in 2024, the number of transactions has multiplied by six, reaching two million operations. The total amount processed has been multiplied by 14 and exceeds 600 million Tunisian dinars.

This progress is mainly due to the rise of e-wallets, now numbering 371,000, as well as the development of innovative local solutions like D17, Flouci, and very soon, Flexee Pay.

2. Youth, the First Ambassadors of Mobile Payment: A Reality in Tunisia as Well

Teens and young adults have grown up with smartphones as their life companions. As a result, their relationship with money is also evolving. They want instantaneity, simplicity, and control. Mobile payment perfectly meets these expectations.

💡 Key figures on youth and money:

• 83% of young people aged 13 to 24 in Europe prefer the phone as a financial management tool (source: Deloitte, 2023).
• 67% of 15-25 year olds say they want a dedicated app for their money, separate from their parents' or main bank's app.
• In France, nearly one in two young people already use Apple Pay, Google Pay, or an equivalent app.

These global trends are clearly reflected in Tunisia. Hyper-connected young Tunisians are also looking for innovative solutions to manage their pocket money. This is where Flexee Pay comes in, offering an application specifically designed for their needs.

International Focus – Solutions That Are a Hit
Millions of young people (and their parents) already use these apps to learn how to manage money, all over the world:

• Pixpay (France): +600,000 users – leader in pocket money apps in France, very focused on parents/teens.
• Kard (France): ~400,000 users – 2nd player in the market, with a young and community-oriented tone.
• Bizum (Spain): +27 million users – essential for instant transfers and payments between friends.
• GoHenry (UK/US): +2 million users – a pioneer in the sector, active since 2012.
• Step (USA/Canada): +5 million users – a banking app designed for teens, supported by influencers.
• Spriggy (Australia): +1.2 million users – an educational prepaid card and app adopted by many families.

These examples show that mobile payment solutions dedicated to young people have become educational, social, and technological benchmarks...

This is precisely the vision and ambition of Flexee Pay in Tunisia: to offer young Tunisians a tool that helps them become financially autonomous.

3. For Parents: Smooth, Secure, and Reassuring Management with Flexee Pay

Mobile payment is not just an advantage for young people. It's a relief for parents...

• Parents can send money instantly or on a scheduled basis.
• They can track expenses without being intrusive.
• They can set limits, rules, or challenges.
• They avoid the risks of cash (theft, loss).

🔐 And what about security?

• All transactions are encrypted.
• The smartphone requires biometric validation.
• If the phone is lost, the application can be remotely disabled.
• No banking data is stored locally.

📊 Reassuring figures for parents:

• Mobile payments are now considered significantly more secure than traditional card payments. Thanks to tokenization and biometric authentication, sensitive data is never stored locally or transmitted in clear text. According to several recent studies, this helps reduce fraud by 26% to 50%, while improving payment authorization rates. Financial Brand source PYMNTS source Finextra source

• 91% of parents surveyed believe that mobile payment simplifies money management...
• 72% want a dedicated tool for managing digital pocket money.