Mozambique's Ministry of Finance launched the National Financial Inclusion Strategy (ENIF) 2025-2031 in Maputo, aiming to expand access to and use of quality, affordable financial products and services, supported by greater financial knowledge, trust and security. The strategy follows ENIF 2016–2022 and is positioned as a new phase that builds on the foundations and progress made under the previous framework. Built around four pillars, ENIF 2025-2031 prioritises expanding access through more service points and increased use of digital financial services, including promoting digital payments, improving access to credit, fostering a more favourable investment climate, and expanding insurance and green finance. The strategy also sets out a revamped coordination structure through a National Financial Inclusion Committee (CNIF) as the central governance body, led by the Bank of Mozambique and the Mozambique Insurance Supervision Institute (ISSM), and includes targets to raise adult bank account ownership to 60%, formal credit access from 20% to 30%, rural electronic money account ownership from 53% to 70%, adult access to insurance products from 17% to 31%, pension scheme coverage from 14% to 27%, and formal saving from 19% to 35%, with an emphasis on women, young people, older people and persons with disabilities.

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