Digital Payment and Mobile Wallet Services

Digital Payment and Mobile Wallet Services
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Digital Payment and Mobile Wallet Services
Digital Payment and Mobile Wallet Services
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SectorMost major industry classification systems use sources of revenue as their basis for classifying companies into specific sectors, subsectors and industries. In order to group like companies based on their sustainability-related risks and opportunities, SASB created the Sustainable Industry Classification System® (SICS®) and the classification of sectors, subsectors and industries in the SDG Investor Platform is based on SICS.
Financials
Corporate and Retail Banking
Business Model Description

Promote digital payment and wallet solutions to enable low-cost transactions

Expected Impact

Increase financial inclusion and income generation for SMEs via the usage of online payment systems

How is this information gathered?
Updated: 12 Dec, 2022 Date of Production: 13 Dec, 2022
Tunisia
Indicative ReturnDescribes the rate of growth an investment is expected to generate within the IOA. The indicative return is identified for the IOA by establishing its Internal Rate of Return (IRR), Return of Investment (ROI) or Gross Profit Margin (GPM).
> 25% (in IRR)
Investment TimeframeDescribes the time period in which the IOA will pay-back the invested resources. The estimate is based on asset expected lifetime as the IOA will start generating accumulated positive cash-flows.
Short Term (0–5 years)
Market SizeDescribes the value of potential addressable market of the IOA. The market size is identified for the IOA by establishing the value in USD, identifying the Compound Annual Growth Rate (CAGR) or providing a numeric unit critical to the IOA.
USD 100 million - USD 1 billion
Average Ticket Size (USD)Describes the USD amount for a typical investment required in the IOA.
USD 1 million - USD 10 million
Direct ImpactDescribes the primary SDG(s) the IOA addresses.
Decent Work and Economic Growth (SDG 8) Reduced Inequalities (SDG 10)
Indirect ImpactDescribes the secondary SDG(s) the IOA addresses.
No Poverty (SDG 1)

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Sector Sources
  • 1) ADA. MicroMED: accélérer l’inclusion financière en Tunisie. https://www.ada-microfinance.org/nos-projets/conseiller-les-institutions-publiques/tunisie 2) IMF, 2021. Tunisia: 2021 Article IV Consultation—Press Release; Staff Report; and Statement by the Executive Director for Tunisia. https://www.elibrary.imf.org/configurable/content/journals$002f002$002f2021$002f044$002farticle-A002-en.xml?t:ac=journals%24002f002%24002f2021%24002f044%24002farticle-A002-en.xml 3) La Presse, 2021. Réduire la masse monétaire en circulation. https://lapresse.tn/85660/reduire-la-masse-monetaire-en-circulation/ 4) LE COURRIER DE L’INDUSTRIE, 2017. http://www.tunisieindustrie.nat.tn/fr/download/ci/ci135.pdf 5) GIZ, 2021. Promotion de la finance digitale. https://www.giz.de/en/downloads/giz2021-fr-promotion-de-la-finance-digitale.pdf 6) Smart Tunisia. http://www.smarttunisia.tn/about-us/ 7) Stakeholders consultations held in 2021. 8) Stakeholders consultations held in 2021. 9) World Bank, 2020. Tunisia Economic Monitor. https://documents1.worldbank.org/curated/en/194331608565600726/pdf/Tunisia-Economic-Monitor-Rebuilding-the-Potential-of-Tunisian-Firms-Fall-2020.pdf 10) AfDB, 2019. FINANCIAL SECTOR MODERNISATION SUPPORT PROGRAMME II - (PAMSFI II). https://www.afdb.org/sites/default/files/documents/projects-and-operations/tunisia-_ar-_financial_sector_modernisation_support.pdf 11) Stakeholders consultations held in 2021. 12) Oxford Business Group. https://oxfordbusinessgroup.com/analysis/enlarging-base-reducing-informality-will-be-key-increasing-tax-revenue 13) BCT, 2021. Annual Report. https://www.bct.gov.tn/bct/siteprod/documents/RA_fr.pdf 14) Shops Plus and USAID, 2020. Digital Financial Services in the MENA Region. https://www.shopsplusproject.org/sites/default/files/resources/Digital%20Financial%20Services%20in%20the%20MENA%20Region.pdf 15) JeuneAfrique, 2020. Le coronavirus convertit Tunis au paiement mobilehttps://www.jeuneafrique.com/988474/economie/le-coronavirus-convertit-tunis-au-paiement-mobile/
IOA Sources
  • 16) International Trade Administration, 2021. Tunisia - Country Commercial Guide: e-Commerce. https://www.trade.gov/country-commercial-guides/tunisia-ecommerce 17) US Department of State. 2020 Investment Climate Statements: Tunisia. https://www.state.gov/reports/2020-investment-climate-statements/tunisia/ 18) Oxford Business Group. https://oxfordbusinessgroup.com/analysis/enlarging-base-reducing-informality-will-be-key-increasing-tax-revenue 19) Shops Plus and USAID, 2020. Digital Financial Services in the MENA Region. https://www.shopsplusproject.org/sites/default/files/resources/Digital%20Financial%20Services%20in%20the%20MENA%20Region.pdf 20) G20 Insights, 2020. Financial Inclusion for Women: A Way Forward. https://www.g20-insights.org/policy_briefs/financial-inclusion-for-women-a-way-forward/#:~:text=Having%20access%20to%20and%20use,of%20their%20households%20and%20businesses 21) TMO, 2020. Tunisia Digital Summit: National Digital Transformation Strategy for 2021- 2025 period. https://www.tunisianmonitoronline.com/index.php/2020/10/29/tunisia-digital-summit-national-digital-transformation-strategy-for-2021-2025-period/ 22) Exportiamo, 2018. “Tunisia Digital 2020”: why invest in Tunisia? https://www.exportiamo.it/aree-tematiche/13719/%E2%80%9Ctunisia-digital-2020%E2%80%9D-why-invest-in-tunisia/#:~:text=%E2%80%9CTunisia%20Digital%202020%E2%80%9D%20is%20a,lever%20for%20socio%2Deconomic%20development. 23) Export.gov, 2019. Tunisia - eCommerce. https://www.export.gov/apex/article2?id=Tunisia-eCommerce 24) Alexander and Partner, 2020. Investment Promotion Regime in Tunisia. https://www.alexander-partner.com/publications/investment-promotion-regime-in-tunisia/ 25) Invest in Tunisia. Incentive Legislation. http://www.investintunisia.tn/En/incentive-legislation_11_24 26) International Trade Administration, 2021. Telecommunications Equipment & Services. https://www.trade.gov/country-commercial-guides/tunisia-telecommunications-equipment-services