Angola’s Ministry of Finance presented the National Financial Inclusion Strategy 2025–2027 (ENIF), positioning it as a cross-cutting public policy tool to expand access to formal financial services and setting a target to reach 65% financial inclusion by 2027. The strategy is framed around improving access to savings and credit, insurance, and payment systems, alongside safer and more affordable service provision. The update highlights current gaps, with 51% of Angolans still outside the formal financial system and only one in four having an adequate level of financial literacy, concentrated in Luanda and in coastal and central areas. The ENIF roadmap focuses on promoting financial literacy, expanding microcredit, accelerating digital banking, and strengthening partnerships with the private sector and civil society. The Governor of the National Bank of Angola, Manuel Tiago Dias, stressed the role of banking, insurance, and capital markets supervisors in supporting an updated regulatory environment aligned with technological needs, including payment system interoperability and modernisation, digitalisation of financial services, consumer protection, accessible digital products, support for financing micro, small and medium-sized enterprises, and targeted financial and digital literacy for young people, women, small entrepreneurs and rural populations. Implementation is described as intersectoral, extending to civil and digital identity, communications, electricity access, transport links, and financial education from childhood. The National Bank of Angola committed to continuous monitoring of execution, evaluation of results, and reinforced cooperation among regulators, while the Ministry of Education indicated it will work with other institutions to embed financial literacy through schools and communities.

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