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Report

RELATÓRIO ANUAL DAS FINTECHS DE MOÇAMBIQUE 2020

O presente Relatório de Fintechs é o primeiro do género que é escrito em Moçambique num colaboração entre o FSDMoç e a Associação das Fintechs de Moçambique.

INVESTMENT OPPORTUNITIES IN MOZAMBIQUE – TOURISM ED.

The Financial Sector Deepening – Moçambique (FSDMoç) and Monitor Deloitte are proud to collaborate to produce...

Investment-Opportunities-in-Mozambique_Agribusiness-Edition

OPORTUNIDADES DE INVESTIMENTO EM MOÇAMBIQUE EDIÇÃO AGRONEGÓCIO

The Financial Sector Deepening – Moçambique and Monitor Deloitte are proud to partner to produce this ...

Investment-Opportunities-in-Mozambique-Manufacturing-Edition

INVESTMENT OPPORTUNITIES IN MOZAMBIQUE MANUFACTURING

The Financial Sector Deepening – Moçambique (FSD Moç) and Monitor Deloitte are proud partners of this second edition of Investment Opportunities...

Study

EVALUATION OF BANKING AND NON-BANKING AGENT NETWORKS

This report presents the results of the evaluation study on bank and non-bank agents and the users of their services in Maputo City and Province.
The research outcomes shows that bank and non-bank agents operates in urban and rural areas, …

digital moeny

CASE STUDY ON ALTERNATIVE SME FINANCE AND INFORMAL FINANCE

Financial Sector Deepening – Mozambique (FSDMoç) is a six-year (2014-2020) program that is funded by the UK Government’s Department for International Development and the Swedish International Development Cooperation Agency. …

CASE STUDY ON LESSONS LEARNED AND ACHIEVEMENTS OF FSDMOÇ…

The Financial Sector Deepening, Moçambique (FSDMoç) is a six-year (2014-2020) programme funded by the UK International Development Agency (DFID) and Swedish International Development Cooperation Agency (SIDA) whose mission is to identify …

IMG_29051

STUDY OF THE IMPACT OF COVID-19 ON BANK AND NON-BANK AGENTS

TechnoServe through its program WIN (Women in Business) and FSDMoç have joined efforts to conduct these study “Impact of COVID-19 of Bank and Non-Bank agents”with the goal of informing financial services actors and mobile money…

Press Release

6th EASTERN AND SOUTHERN AFRICA REGIONAL CONFERENCE ON INCLUSIVE INSURANCE

Terá lugar de 23 a 25 de Março de 2021 a 6ª Conferência Regional da África Oriental e Austral sobre Seguro Inclusivo, esta Conferência é parte de uma série de sessões regionais de aprendizagem que visam contribuir para o desenvolvimento de mercados de seguro inclusivos em África. A 6ª conferência regional que será virtual é organizada pela Associação Moçambicana de Seguradoras...

FSDMOÇ LANÇA A SUA PUBLICAÇÃO ANUAL 2018/2019

O Financial Sector Deepening Moçambique (FSDMoç), um programa financiado pelo Departamento para o Desenvolvimento Internacional do Reino Unido (DFID) e o Departamento para o Desenvolvimento Internacional da Suécia, vai lançar a sua Publicação Anual “Rumo á Inclusão Financeira Digital para Construir Mais Acesso, Mais Uso, Mais Interacção e Melhor Ecossistema” no dia 22 de Maio de 2019.

RELATÓRIO ANUAL DAS FINTECHS DE MOÇAMBIQUE 2020

O presente Relatório de Fintechs é o primeiro do género que é escrito em Moçambique num colaboração entre o FSDMoç e a Associação das Fintechs de Moçambique.

As Fintechs são empresas, na maioria dos casos startups, que desenvolvem tecnologias inovadoras no sector financeiro, criando serviços disruptivos para o consumidor final. Em uma indústria fortemente ligada a sistemas, processos, paradigmas e marcas tradicionais, a multiplicação e ascensão destes novos players no mercado financeiro significa uma revolução sem precedentes.

Em Maio de 2018, numa parceria entre o Banco de Moçambique e o FSDMOÇ, registámos o lançamento do Sandbox Regulatório que muito recentemente autorizou a operação oficial, no mercado moçambicano, das primeiras fintechs. É um caso de sucesso nesta caminhada e acontece numa altura em que é lançada a 2a edição do Sandbox e o com Lançamento do Hub de Inovação. Espera-se que seja um espaço vibrante e palco de inovação genuína com foco principal para resolver os problemas das camadas mais vulneráveis.

As aplicações vão desde plataformas/gateways de pagamentos digitais, remessas de transferências internacionais, carteiras móveis, agregador de pagamentos, entre outros.

INVESTMENT OPPORTUNITIES IN MOZAMBIQUE – TOURISM EDITION

The Financial Sector Deepening – Moçambique (FSDMoç) and Monitor Deloitte are proud to collaborate to produce this third edition of Investment Opportunities in Small and Medium Enterprises (SMEs) in Mozambique, in the tourism Sector.
The objective of the joint Monitor Deloitte & FSD Moçambique publication is to exhibit investment opportunities in Small and Medium Enterprises (SMEs), with the intention of reducing informal asymmetries thus promoting access to capital, growth opportunities and, above all, job creation

OPORTUNIDADES DE INVESTIMENTO EM MOÇAMBIQUE EDIÇÃO AGRONEGÓCIO

É com orgulho que a Financial Sector Deepening – Moçambique e a Monitor Deloitte apresentam, em parceria, esta primeira edição da Oportunidades de Investimento em Moçambique.

A missão desta publicação conjunta Monitor Deloitte – FSDMoçambique é a de dar a conhecer oportunidades de investimento em Pequenas e Médias Empresas, com o propósito de mitigar assimetrias de informação e assim promover o acesso a capital de modo a desbloquear oportunidades de crescimento e de emprego.

Esta primeira edição centra-se no agronegócio num sentido lato, incluindo a produção agrícola e serviços de apoio, processamento alimentar e silvicultura.

OPORTUNIDADES DE INVESTIMENTO EM MOÇAMBIQUE – EDIÇÃO DA INDÚSTRIA TRANSFORMADORA

A Financial Sector Deepening – Moçambique (FSD Moç) e a Monitor Deloitte são orgulhosamente parceiros desta segunda edição de Oportunidades de Investimento em Moçambique.
O objectivo da publicação da parceria Monitor Deloitte – FSD Moçambique é de mostrar as oportunidades de investimento em Pequenas e Médias empresas, com a intenção de reduzir as assimetrias informais, promovendo desta maneira o acesso ao capital para oportunidades de crescimento e geração de emprego.
Esta segunda edição converge-se com precisão sobre a produção manufactureira num sentido mais amplo, incluindo as áreas de metais, produtos químicos, construção, produtos e serviços industriais, silvicultura, os subsectores de produção de papel e embalagem.

EVALUATION OF MOBILE MONEY UPTAKE – FSDMOÇ

The Financial Sector Deepening, Moçambique (FSDMoç) is a six-year programme funded by the UK International Development Agency (DFID) and Swedish International Development Cooperation Agency (SIDA) whose mission is to identify and partner with key market stakeholders, offering targeted investments and insights to promote the financial sector to improve financial inclusion. FSDMoç partnered with M-Pesa Mozambique (2016 to 2018) to increase the uptake of the mobile money in the country and to reinforce M-Pesa’s on-going Pedro strategy to increase the number of current M-Pesa customers (users) and to accelerate uptake by 1 million more users via the use of promoters. FSDMoç commissioned an end- term evaluation to gauge the results achieved during the two-year partnership to:

  • Improve understanding on the use of mobile money.
  • Provide conclusions on opportunities and challenges in the mobile market system of Mozambique.
  • Provide details on the efficiency, effectiveness and sustainability of M-Pesa interventions in Mozambique.

THE ECOSYSTEM OF DIGITAL FINANCIAL SERVICES IN MOZAMBIQUE

This study addressed key dimensions required to develop the digital ecosystem in Mozambique. They refer to all stakeholders involved in the ecosystem including the companies, the regulators, development partners and Government.

It also provides an overview of enabling macro or environment factors such as the quality of business environment, degree of competitiveness in the economy and the innovation environment in the country.

LOCAL PROCUREMENT AND FINANCIAL ACCESS OPPORTUNITIES FOR SMES IN TETE PROVINCE

With specific reference to Tete Province, Mozambique, this study summarizes the experience of the mining and financial services sectors as they relate to small and medium enterprises (SMEs) and financial inclusion. It suggests actions to grow SME participation in the mining sector and regional economy, and to deepen financial inclusion around the opportunities created by the mining sector.

ACCESS TO FINANCE FOR WOMEN

The present analysis seeks to support FSDMoç in developing a targeted strategy addressing women’s financial inclusion at the macro, meso and micro levels. To achieve this, FSDMoç now wishes to ascertain the barriers at the each level as well as the opportunities that exist towards building a financial market in Mozambique that is inclusive of women in different income brackets, economic sectors and geographical regions of the country. Women are a cross cutting theme, where FSDMoç will advocate for a lens, in all of its investments and activities that draws attention to the inclusion of women in the financial sector.

EVALUATION OF BANKING AND NON-BANKING AGENT NETWORKS

EVALUATION OF BANKING AND NON-BANKING AGENT NETWORKS – MAPUTO CITY AND MAPUTO PROVINCE

This report presents the results of the evaluation study on bank and non-bank agents and the users of their services in Maputo City and Province.
The research outcomes shows that bank and non-bank agents operates in urban and rural areas, with a greater incidence in urban centers and in the places with the greatest concentration of people, where mainly informal commercial activities occur. The presence of non-bank agents is predominant when compared to bank agents, which is observed in both urban and rural areas in Maputo City and Province. The agents have been playing their role in the financial inclusion journey of the populations through the extension of the services of bank and non-bank financial service providers.

The study points out the need to define rates and benefits that are attractive to users and agents of banking and non-banking services, respectively. In addition to that, it’s important and urgent to create additional incentives to agents operating in rural areas, where the aim of increasing the financial inclusion rates is demanded.
This report of the agent evaluation study raises a set of challenges for the different actors to be highlighted such as: bank agents, non-bank agents, financial services regulators and financial services providers.

CASE STUDY ON ALTERNATIVE SME FINANCE AND INFORMAL FINANCE

Financial Sector Deepening – Mozambique (FSDMoç̧) is a six-year (2014-2020) program that is funded by the UK Government’s Department for International Development and the Swedish International Development Cooperation Agency. The program focuses on addressing the financial market constraints and supporting the diversification to catalyze economic growth and resilience of the people in Mozambique.

FSDMoç̧ contracted MSC to assess FSDMoç’s project interventions in facilitating systemic change to enable SME finance and informal finance. From the assessment, MSC has developed this case study detailing some of the interventions that have been put in place by FSDMoç̧, the lessons learnt, insights, the impact of the intervention, and recommendations on how to create a more enabling environment for SME finance and informal finance in Mozambique.

CASE STUDY ON LESSONS LEARNED AND ACHIEVEMENTS OF FSDMOÇ PROGRAMME ON DIGITAL FINANCIAL SERVICES

The Financial Sector Deepening, Moçambique (FSDMoç) is a six-year (2014-2020) programme funded by the UK International Development Agency (DFID) and Swedish International Development Cooperation Agency (SIDA) whose mission is to identify and partner with key market stakeholders, offering targeted investments and insights to promote the financial sector to improve financial inclusion.

The core objective of FSDMoç is to expand levels of financial inclusion by addressing constraints in the financial market, helping the diversification of Mozambique’s economy and bringing prosperity and economic resilience to Mozambique’s people.

FSDMoç, as a programme, is close to the end of its current tenure, following which it will transition into a special purpose vehicle to further advance the agenda of financial inclusion in Mozambique. Given this, this document serves to highlight the impact of FSDMoç on financial inclusion in Mozambique, through the lens of some of its programs and partnerships, as well as some of the key lessons learned from them.

STUDY OF THE IMPACT OF COVID-19 ON BANK AND NON-BANK AGENTS

TechnoServe through its program WIN (Women in Business) and FSDMoç have joined efforts to conduct these study “Impact of COVID-19 of Bank and Non-Bank agents” with the goal of informing financial services actors and mobile money operators (MNOs ) in Mozambique

i) on the impacts of COVID 19 on the agents in their networks and

ii) share potential solutions of how better to support them.

MOZAMBIQUE MOBILE ACCESS AND USAGE STUDY

Over the last decade, Mozambique has witnessed a transformative time in communications and mobile technology. In 2005, with 1.5 million mobile subscriptions, mobile phone use had already far outpaced landline connections. By 2015, subscriptions had skyrocketed to 20 million. This transformation in connectivity marks a fundamental shift in how people, government and businesses communicate with one another across the country. As an increasing number of users access mobile services across Mozambique, private and public actors alike are recognizing opportunities to apply mobile technology to accelerate development outcomes.

PRESENTATION OF RESULTS THE STUDY ON FINANCING SME’S AND OF THE CAPITAL MARKET DEVELOPMENT IN MOZAMBIQUE

The Financial Sector Deeping Mozambique (FSDMoç), in partnership with Banco BiG Moçambique, SA (Banco BiG), presented on Tuesday 11 December the results of the study “SME Finance and Market Development (Financing SMEs and Capital Market Development in Mozambique )”.

LEGAL FRAMEWORK OF PRIVATE EQUITY IN MOZAMBIQUE STUDY – AN OVERVIEW OF PRIVATE EQUITY IN SOUTHERN AFRICA

On 30th January 2018, FSDMoç launched the report on “Legal Framework of Private Equity in Mozambique study. The event was well attended with an estimation of 60 participants with regional guests from Namibia Ms. Kaunapaua Ndilula a Development Finance Specialist and the Managing Director of Business Financial Solutions (BFS) and Ms. Tanya van Lill the CEO of Southern African Venture Capital and Private Equity Association (SAVCA) and Ms. Shelley Lotz the Head of Regulatory Affairs, Southern African Venture Capital and Private Equity Association (SAVCA).

THE ECOSYSTEM OF DIGITAL FINANCIAL SERVICES IN MOZAMBIQUE

This study addressed key dimensions required to develop the digital ecosystem in Mozambique. They refer to all stakeholders involved in the ecosystem including the companies, the regulators, development partners and Government.

It also provides an overview of enabling macro or environment factors such as the quality of business environment, degree of competitiveness in the economy and the innovation environment in the country.

6ª CONFERÊNCIA REGIONAL DA ÁFRICA ORIENTAL E AUSTRAL SOBRE SEGURO INCLUSIVO I EDIÇÃO DIGITAL

Terá lugar de 23 a 25 de Março de 2021 a 6ª Conferência Regional da África Oriental e Austral sobre Seguro Inclusivo, esta Conferência é parte de uma série de sessões regionais de aprendizagem que visam contribuir para o desenvolvimento de mercados de seguro inclusivos em África. A 6ª conferência regional que será virtual é organizada pela Associação Moçambicana de Seguradoras (AMS), Instituto de Supervisão de Seguros de Moçambique, Instituto Público (ISSM, IP), Financial Sector Deepening Moçambique (FSDMoç) e pela Fundação Munich Re.

Esta edição digital da conferência regional é uma combinação de formação de alta qualidade e sessões plenárias destinadas a compartilhar percepções sobre modelos de negócios de seguros inclusivos que estão tornando possível o acesso aos segmentos de mercado de baixa renda em África.

Serão abordados durante a conferência temas como o panorama do seguro inclusivo em Moçambique, Soluções de seguro agrícola para pequenos agricultores, Estratégias de linha de base e linha superior para negócios de seguros inclusivos, Soluções inclusivas de seguro saúde e Soluções digitais para seguros inclusivos e desenvolvimento inclusivo do mercado de seguros e educação do consumidor.

FSDMOÇ LANÇA A SUA PUBLICAÇÃO ANUAL 2018/2019

O Financial Sector Deepening Moçambique (FSDMoç), um programa financiado pelo Departamento para o Desenvolvimento Internacional do Reino Unido (DFID) e o Departamento para o Desenvolvimento Internacional da Suécia, vai lançar a sua Publicação Anual “Rumo á Inclusão Financeira Digital para Construir Mais Acesso, Mais Uso, Mais Interacção e Melhor Ecossistema” no dia 22 de Maio de 2019.

Detalhes do Evento:

Data: Quarta-Feira, 22 de Maio de 2019

Hora: 07:30 – 11:00

Local: Sala Zambeze, Radisson Blu Hotel, Av. Marginal n◦ 141 Maputo, Moçambique

Neste evento, o FSDMoç tem como convidada e oradora principal a Dra. Raliat Sunmonu, Diretora Sênior e Gestora de Programas da África na Global Advisory Solutions da ACCION que irá partilhar a sua experiência sobre “Smart Disruption: Navigating the Opportunities and Risks of Technology Innovations in Financial Inclusion”.

Vejá abaixo o Comunicado de Imprensa.

PRESS RELEASE: LAUNCH – REGULATORY SANDBOX TO PROMOTE INNOVATION WITH “FINTECHS”

The Bank of Mozambique (BM) and the FSDMoç, today, May 17, in the city of Maputo, will launch the Sandbox Incubator project for financial technologies (FinTechs). The incubator is located in Maputo and is a point of excellence for creating conditions of interaction between the regulator (Central Bank) and FinTechs. The project also has the particularity of creating opportunities for development, testing and demonstration of products in a supervised environment, learning and dissemination of innovative ideas, with a special focus on financial technologies among the different actors of the National Financial Sector.

PRESENTATION OF RESULTS THE STUDY ON FINANCING SME’S AND OF THE CAPITAL MARKET DEVELOPMENT IN MOZAMBIQUE

The Financial Sector Deeping Mozambique (FSDMoç), in partnership with Banco BiG Moçambique, SA (Banco BiG), will present on Tuesday 11 December the results of the study “SME Finance and Market Development (Financing SMEs and Capital Market Development in Mozambique )”.

Detalhes do Evento:

Date: December 11, 2018

Time: 7:30 a.m. – 11:00 a.m.

Location: Polana Serena Hotel

 SME Finance and Market Development was a study that resulted from a joint initiative of Banco BiG Moçambique, SA (“BiG”) and Financial Sector Deepening Mozambique (“FSDMoc”) with the objective of promoting alternative sources of financing and investment via the capital and stock exchanges in Mozambique. During the study the partners contacted a set of 110 Mozambican Small and Medium Enterprises (SMEs) to assess their potential interest in accessing sources of financing via the capital market and the level of compliance with listing requirements ( capital or debt) on the Mozambique Stock Exchange (“BVM”).

The event will be attended by personalities with extensive experience in the capital market. Mr. Michael Fuchs, FSD Africa adviser, Joel Rodrigues, CEO of Banco BiG, Aldo Tembe, CEO of Mozambique Previdente, Salim Valá, PCA of BVM, and Claire Mateus Zimba CEO of IPEME.

FINANCIAL INCLUSION WEEK 2018

The Financial Sector Deepening Mozambique – FSDMoç, a program funded by the United Kingdom Department for International Development (DFID) and the Swedish Department for International Development (SIDA) in partnership with the Financial Inclusion Center (CFI), will promote the Financial Inclusion Week (FIW), which will run from October 29 to November 2, 2018.

This is a week of global conversations about the most important steps for advancing financial inclusion. The Week of Financial Inclusion aims to build a momentum around how to address the most significant obstacles to financial inclusion through a week of global conversation. This year’s theme is “Getting Inclusion Right”.

During this week, each partner organization will hold meetings and promote conversations about what the community needs to do to get it right and strategic ways to promote that agenda in each context.

YOUNG MOZAMBICANS CREATE INNOVATIVE TECHNOLOGICAL SOLUTIONS TO PROMOTE THE USE OF AND ACCESS TO FINANCIAL SERVICES IN SADC

Young Mozambicans create innovative technological solutions to promote the use of and access to financial services in SADC

Creating innovative technological solutions to promote the use of and access to financial services in the Southern African region is a key challenge that unites young people from the member countries of the SADC region. To address this challenge the SADC Innovation Challenge was launched in February 2020 by FinMark Trust (FMT) to support the design of innovative technological solutions that promote the use of and access to financial services in the region. A series of events were undertaken from initial physical events, and later virtual bootcamps and training webinars, guided by key thematic challenges (financing for SMEs, women and savings, digital financial identity, and access to basic services).

In Mozambique, the Financial Sector Deepening Mozambique (FSDMoç) and ideaLab implemented the Innovation Challenge at national level, and have been driving the objectives and the training of participants – all to bring meaningful solutions to market. FSDMoç has been supporting various initiatives in the field of innovation for many years and were the forerunners to embrace this regional Innovation Challenge, especially as the themes brought up for the competition reflect the country’s biggest challenges, and FSDMoç see infinite potential in the solutions our young entrepreneurial players can bring to market. The implementation of these ideas can contribute greatly to mitigate social problems that affect a large part of the populations of the region.