{"id":395688,"date":"2026-09-16T20:23:20","date_gmt":"2026-09-16T19:23:20","guid":{"rendered":"https:\/\/realites.com.tn\/fr\/?p=395688"},"modified":"2026-09-16T20:23:20","modified_gmt":"2026-09-16T19:23:20","slug":"paiement-instantane-la-bct-etudie-le-modele-bresilien-pix-pour-moderniser-son-systeme","status":"publish","type":"post","link":"https:\/\/realites.com.tn\/fr\/paiement-instantane-la-bct-etudie-le-modele-bresilien-pix-pour-moderniser-son-systeme\/","title":{"rendered":"Paiement instantan\u00e9 : la BCT \u00e9tudie le mod\u00e8le br\u00e9silien Pix pour moderniser son syst\u00e8me"},"content":{"rendered":"<p class=\"ds-markdown-paragraph\"><span class=\"\">Une d\u00e9l\u00e9gation de la Banque Centrale de Tunisie (BCT), accompagn\u00e9e de repr\u00e9sentants de l&rsquo;Agence allemande de coop\u00e9ration internationale (GIZ), a effectu\u00e9 une visite d&rsquo;\u00e9tude au Br\u00e9sil afin d&rsquo;examiner le fonctionnement du syst\u00e8me de paiement instantan\u00e9 Pix. Ce dispositif br\u00e9silien est consid\u00e9r\u00e9 comme une r\u00e9f\u00e9rence internationale en mati\u00e8re de transformation num\u00e9rique et d&rsquo;inclusion financi\u00e8re. Durant deux journ\u00e9es de travail avec les \u00e9quipes de la Banque centrale du Br\u00e9sil, la d\u00e9l\u00e9gation tunisienne a analys\u00e9 l&rsquo;architecture globale de la plateforme Pix, notamment sa gouvernance, son cadre r\u00e9glementaire et son mod\u00e8le \u00e9conomique. Les \u00e9changes ont permis d&rsquo;identifier les \u00e9l\u00e9ments ayant favoris\u00e9 l&rsquo;adoption massive de cette technologie aupr\u00e8s des usagers.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">Au-del\u00e0 des aspects institutionnels, la mission s&rsquo;est entretenue avec des acteurs majeurs du secteur financier et de la fintech au Br\u00e9sil, tels que Nubank, Ita\u00fa Unibanco, PicPay et l&rsquo;association ABFintechs. L&rsquo;objectif \u00e9tait d&rsquo;\u00e9valuer la mani\u00e8re dont ces op\u00e9rateurs exploitent les innovations li\u00e9es \u00e0 Pix pour d\u00e9velopper des services financiers adapt\u00e9s aux particuliers et aux entreprises. Par ailleurs, cette immersion vise \u00e0 nourrir la r\u00e9flexion strat\u00e9gique de la BCT pour moderniser le syst\u00e8me de paiement national et stimuler l&rsquo;inclusion financi\u00e8re en Tunisie.<\/span><\/p>\n<p class=\"ds-markdown-paragraph\"><span class=\"\">Cette initiative s&rsquo;inscrit dans le cadre du projet \u00ab Promotion de l&rsquo;Inclusion Financi\u00e8re, Sociale et \u00c9conomique en Tunisie \u00bb (IFSE), mis en \u0153uvre par la GIZ, financ\u00e9 par le minist\u00e8re f\u00e9d\u00e9ral allemand de la Coop\u00e9ration \u00e9conomique et du D\u00e9veloppement (BMZ) et cofinanc\u00e9 par l&rsquo;Union europ\u00e9enne.<br \/>\n<strong>MBY<\/strong><br \/>\n<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Une d\u00e9l\u00e9gation de la Banque Centrale de Tunisie (BCT), accompagn\u00e9e de repr\u00e9sentants de l&rsquo;Agence allemande de coop\u00e9ration internationale (GIZ), a effectu\u00e9 une visite d&rsquo;\u00e9tude au Br\u00e9sil afin d&rsquo;examiner le fonctionnement&hellip;<\/p>\n","protected":false},"author":60,"featured_media":339539,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-395688","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-economie"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.3 - 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