Mozambique's Ministry of Finance, through Finance Minister Carla Loveira in remarks at the opening of BFSI Mozambique 2026, set out how the government is using digitalisation, system interoperability and data to turn economic activity into financeable assets. The minister focused on the persistent concentration of activity in the informal sector and among small businesses, arguing that limited structured financial information remains a key barrier to credit access. She said wider use of digital platforms, electronic payments, electronic invoicing, bank accounts and mobile wallets can create reliable financial histories that improve risk assessment by financial institutions and expand financing options. As part of that agenda, she pointed to ongoing state modernisation measures including consolidation of e-SISTAFE, an integrated tax administration system, a digital identity platform, the Citizen Portal and the State Payments Platform, which she said are improving transparency, administrative efficiency and financial inclusion. Loveira also reviewed legislative and policy reforms intended to diversify funding sources, including the creation of the Insurance and Pension Funds Supervisory Authority, the establishment of the Mozambique Development Bank, approval of a new National Payments System Law and a proposed crowdfunding law aimed at improving financing conditions for micro, small and medium-sized enterprises. She further highlighted a review of tax legislation to cover digital transactions and strengthen tax fairness, while stating that the changes are not intended to increase the tax burden but to simplify compliance and gradually bring informal economic activity into the national tax system.

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