Lors d’une conf\u00e9rence de presse organis\u00e9e ce lundi 3 f\u00e9vrier 2025 par la Banque centrale de Tunisie (BCT), d\u00e9di\u00e9e \u00e0 la nouvelle r\u00e9glementation sur les ch\u00e8ques et \u00e0 la plateforme Tunich\u00e8que, le directeur g\u00e9n\u00e9ral du d\u00e9veloppement et du contr\u00f4le des syst\u00e8mes et moyens de paiement de la BCT, Mohamed Sadraoui, a qualifi\u00e9 la r\u00e9forme de \u00ab pas en avant dans le syst\u00e8me de paiement, renfor\u00e7ant l’infrastructure d\u00e9j\u00e0 en place \u00bb.<\/p>\n\n\n\n
\u00ab Ce projet contribuera \u00e0 s\u00e9curiser les op\u00e9rations financi\u00e8res et \u00e0 favoriser l’int\u00e9gration financi\u00e8re\u2026 Le cycle \u00e9conomique doit reposer sur une croissance inclusive\u2026 Il est vrai que les Tunisiens se sont habitu\u00e9s \u00e0 la num\u00e9risation\u2026 La Tunisie regorge de comp\u00e9tences en innovation technologique\u2026 Nous devons investir dans de nouveaux canaux, tels que le paiement mobile \u00bb, a-t-il ajout\u00e9.<\/p>\n\n\n\n
De son c\u00f4t\u00e9, le directeur g\u00e9n\u00e9ral de la Soci\u00e9t\u00e9 Interbancaire de t\u00e9l\u00e9compensation, Mohamed Laasaad Louati, a not\u00e9 que la cr\u00e9ation d’une plateforme accessible et conviviale \u00e9tait un d\u00e9fi que la Banque centrale a su relever. Il a expliqu\u00e9 qu’\u00e0 travers cette plateforme, le ch\u00e8que a retrouv\u00e9 son r\u00f4le de moyen de paiement imm\u00e9diat. \u00ab L’acc\u00e8s \u00e0 la plateforme se fait par la cr\u00e9ation d\u2019un compte utilisateur via t\u00e9l\u00e9phone ou email\u2026 Son utilisation repose sur le QR code, qui permet d’acc\u00e9der directement aux donn\u00e9es souhait\u00e9es\u2026 Cette plateforme garantit la rapidit\u00e9 des transactions\u2026 Comme pour tout projet, nous continuerons \u00e0 l\u2019am\u00e9liorer\u2026 \u00c0 l’avenir, nous pourrions introduire le ch\u00e8que \u00e9lectronique et le paiement instantan\u00e9 \u00bb, a-t-il d\u00e9clar\u00e9.<\/p>\n\n\n\n
Le directeur g\u00e9n\u00e9ral des paiements et de l’inclusion financi\u00e8re \u00e0 la BCT, Nizar Chaddad, a pour sa part qualifi\u00e9 la plateforme Tunich\u00e8que de m\u00e9canisme efficace pour s\u00e9curiser l\u2019acceptation des ch\u00e8ques. Il a rappel\u00e9 que l\u2019acc\u00e8s \u00e0 la plateforme \u00e9tait gratuit, conform\u00e9ment \u00e0 la loi n\u00b041-2024. \u00ab En 2024, 230 millions de transactions ont \u00e9t\u00e9 r\u00e9alis\u00e9es\u2026 Les ch\u00e8ques repr\u00e9sentent 11 % de ces transactions, soit 24 millions de ch\u00e8ques\u2026 En termes de valeur, ces transactions atteignent 272 milliards de dinars\u2026 Le ch\u00e8que joue son r\u00f4le gr\u00e2ce \u00e0 la confiance qu\u2019il inspire aux Tunisiens, repr\u00e9sentant 48 % de cette somme \u00bb, a-t-il d\u00e9clar\u00e9.<\/p>\n\n\n\n
Le 2 f\u00e9vrier 2025 marque l’entr\u00e9e en vigueur de l’utilisation de nouveaux ch\u00e8ques comportant un QR code. Ce dernier peut \u00eatre scann\u00e9 sur la plateforme Tunich\u00e8que pour v\u00e9rifier la disponibilit\u00e9 des fonds et assurer leur s\u00e9curit\u00e9.<\/p>\n\n\n\n
Il est \u00e0 noter que la nouvelle r\u00e9glementation sur les ch\u00e8ques a suscit\u00e9 plusieurs critiques. Les consommateurs, experts et professionnels estiment que cette nouvelle loi impactera n\u00e9gativement l’\u00e9conomie tunisienne.<\/p>\n","protected":false},"excerpt":{"rendered":"
Lors d’une conf\u00e9rence de presse organis\u00e9e ce lundi 3 f\u00e9vrier 2025 par la Banque centrale de Tunisie (BCT), d\u00e9di\u00e9e \u00e0 la nouvelle r\u00e9glementation sur les ch\u00e8ques et \u00e0 la plateforme Tunich\u00e8que, le directeur g\u00e9n\u00e9ral du d\u00e9veloppement et du contr\u00f4le des syst\u00e8mes et moyens de paiement de la BCT, Mohamed Sadraoui, a qualifi\u00e9 la r\u00e9forme de […]<\/p>\n","protected":false},"author":4,"featured_media":1904,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"content-type":"","jnews-multi-image_gallery":[],"jnews_single_post":{"subtitle":"","format":"standard","video":"","gallery":"","source_name":"","source_url":"","via_name":"","via_url":"","override_template":"0","override":[{"template":"1","single_blog_custom":"","parallax":"1","fullscreen":"1","layout":"right-sidebar","sidebar":"default-sidebar","second_sidebar":"default-sidebar","sticky_sidebar":"1","share_position":"top","share_float_style":"share-monocrhome","show_share_counter":"1","show_view_counter":"1","show_featured":"1","show_post_meta":"1","show_post_author":"1","show_post_author_image":"1","show_post_date":"1","post_date_format":"default","post_date_format_custom":"Y\/m\/d","show_post_category":"1","show_post_reading_time":"0","post_reading_time_wpm":"300","show_zoom_button":"0","zoom_button_out_step":"2","zoom_button_in_step":"3","show_post_tag":"1","show_prev_next_post":"1","show_popup_post":"1","number_popup_post":"1","show_author_box":"0","show_post_related":"0","show_inline_post_related":"0"}],"override_image_size":"0","image_override":[{"single_post_thumbnail_size":"crop-500","single_post_gallery_size":"crop-500"}],"trending_post":"0","trending_post_position":"meta","trending_post_label":"Trending","sponsored_post":"0","sponsored_post_label":"Sponsored by","sponsored_post_name":"","sponsored_post_url":"","sponsored_post_logo_enable":"0","sponsored_post_logo":"","sponsored_post_desc":"","disable_ad":"0"},"jnews_primary_category":{"id":"","hide":""},"jnews_override_bookmark_settings":[],"jnews_review":[],"enable_review":"","type":"","name":"","summary":"","brand":"","sku":"","good":[],"bad":[],"score_override":"","override_value":"","rating":[],"price":[],"jnews_post_split":[],"footnotes":""},"categories":[14,43],"tags":[3999,2190,14557,54],"class_list":["post-62161","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-banks","category-eco-business","tag-bct-2","tag-plateforme","tag-tunicheque","tag-tunisie"],"_links":{"self":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/62161","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=62161"}],"version-history":[{"count":1,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/62161\/revisions"}],"predecessor-version":[{"id":62162,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/posts\/62161\/revisions\/62162"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=\/wp\/v2\/media\/1904"}],"wp:attachment":[{"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=62161"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=62161"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.africanchallenges.com\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=62161"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}