Unofficial translation
Project of Implementation Program of the National Financial Inclusion Strategy of the Republic of Moldova 2030 for the years 2026-2030
Ministry of Finance: Announcement on the initiation of the development of the project
The Project of Implementation Program of the National Financial Inclusion Strategy of the Republic of Moldova 2030 aims to operationalize the strategic (general) objectives by defining the interventions, activities and mechanisms necessary to advance financial inclusion in the period 2026–2030.
The Draft Program is to achieve the vision of the aforementioned Strategy, to develop a reliable, inclusive and innovative financial ecosystem, which will support individuals and micro, small and medium-sized enterprises in the active use of quality, accessible and secure financial services.
The Project of the Program will ensure the implementation of the following measures:
- development of financial products and services that effectively meet the specific needs and circumstances of individuals and SMEs.
- expanding access to and increasing the use of digital financial services, ensuring the availability of accessible, secure, convenient and low-cost services.
- ensuring the protection of consumers of financial services.
- promoting the informed, efficient and responsible use of financial products and services, developing and implementing specific and personalized financial education campaigns.
More information on Financial Inclusion
Financial inclusion relies on a balanced mix of laws governing digital payments, consumer protection, and simplified identity verification.
Project of Implementation Program of the National Financial Inclusion Strategy of the Republic of Moldova 2030 for the years 2026-2030
Public Information - Document created within the National Bank of Moldova
Four pillars provided for in the SNIF 2030 framework:
- (1) Use and quality of financial services
- (2) Payment ecosystem
- (3) Protection of financial services consumers
- (4) Financial capability
Strategic (general) objectives defined for the implementation:
1) General Objective 1. Increasing the availability of diversified and efficiently adapted financial products and services
The objective refers to supporting the development of financial products and services that effectively meet the specific needs and circumstances of individuals and SMEs.
2) General Objective 2. Increase the use and level of development of digital financial services
The objective refers to strengthening the development of inclusive financial infrastructure, in particular in rural and underserved areas, while stimulating innovation through the adoption of emerging technologies, including solutions based on electronic and mobile devices.
3) General Objective 3. Ensure the protection of financial services consumers and responsible financial inclusion
The objective refers to protecting the rights and interests of financial services consumers by strengthening the consumer protection framework and improving the supervision of market conduct.
4) General Objective 4. Strengthening financial capability
The objective refers to strengthening the financial capability of individuals, in particular those from low-financial inclusion groups, as well as SMEs, by promoting the informed, efficient and responsible use of financial products and services.
5) General Objective 5 (cross-cutting objective). Developing the framework and infrastructure for data collection on financial inclusion
The objective refers to the development of a robust and comprehensive framework and infrastructure for the systematic collection, analysis and dissemination of high-quality data on financial inclusion.
6) General Objective 6 (cross-cutting objective). Raise awareness and ownership of sustainable financial inclusion
The objective refers to strengthening awareness among public authorities, financial service providers and other relevant stakeholders from the private sector and civil society of the essential role and transformative impact of financial inclusion on sustainable economic and social development.
The legal basis of the Republic of Moldova
- Ministerul Finanțelor: Proiectul Programului de implementare al Strategiei Naționale de Incluziune Financiară a Republicii Moldova 2030 pentru anii 2026-2030
- Ministerul Finanțelor: Anunț privind inițierea elaborării proiectului
CONCEPTUL Programului de implementare a Strategiei Naționale de Incluziune Financiară a Republicii Moldova 2030 pentru anii 2026-2030 (Pdf) - National Bank of Moldova: Anunț privind inițierea elaborării Strategiei Naționale de Incluziune Financiară a Republicii Moldova 2030
