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A recent experiment by the World Bank and CGAP in market facilitation provides useful insights. As early as January 2011, the Tunisian Central Bank worked on improving the regulatory framework for digital payments.That same year, a working group had been set up by the Government, led by the Ministry of Telecommunications, to examine digital finance.Forty-three percent of the working-age population is under 30 years of age, there is a mobile penetration rate of 118%, and 98% of Tunisians have completed primary education.Yet despite the compelling evidence that digital financial services offer huge opportunities to expand financial inclusion by reducing costs, improving user experience, and reducing proximity barriers, less than four percent of Tunisians use mobile financial services. What does it take to move a market beyond stalemate?Tunisia's population was estimated to be just under 11 million in 2014.

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