安哥拉金融体系的数字化转型Digital Transformation in Angola’s Financial Sector

Invitation： The Governor of the National Bank of Angola, Manuel António Tiago Dias, has the honor to invite you to participate in the Annual Conference Cycle, subordinated to the theme - Human Capital in the Angolan Financial System, to take place on November 14, 2024, from 9:00 a.m. to 1:00 p.m., at the Saydi Mingas auditorium - Currency Museum.

邀请函： 安哥拉国家银行行长Manuel António Tiago Dias荣幸地邀请您参加主题为“安哥拉金融体系中的人力资本”的年度会议周期，会议将于2024年11月14日上午9:00至下午1:00在赛迪·明加斯礼堂-货币博物馆举行。

Digital Transformation in Angola’s Financial Sector

Angola’s financial sector is undergoing a significant transformation, driven by the imperative to modernize infrastructure and adopt innovative technologies. The Banco Nacional de Angola (BNA) has been at the forefront of this evolution, implementing projects to upgrade its technological framework. In February 2024, the BNA embraced SAP innovations to modernize its systems, enhancing operational efficiency and agility. 

Moreover, the World Bank has supported Angola’s digital acceleration through the Inclusive Digitalization in Eastern and Southern Africa (IDEA) program. This initiative aims to increase internet access and the use of digital services, contributing to the development of Angola’s digital economy. 

The BNA’s adoption of SAP’s S/4HANA platform has unlocked new business processes and enhanced digitalization and automation within the bank. This upgrade has improved system performance, streamlined management reporting, and established a foundation for launching new products and services to strengthen Angola’s financial system. 

The IDEA program, financed by a $300 million loan from the International Bank for Reconstruction and Development (IBRD), is implemented and coordinated by the Instituto de Modernização Administrativa. The project focuses on increasing access to affordable and quality internet services, establishing digitally enabled community spaces, and supporting the government’s digital transformation agenda. 

These initiatives reflect a concerted effort to modernize Angola’s financial sector, leveraging technology to enhance efficiency, inclusivity, and economic growth.

安哥拉金融体系的数字化转型

安哥拉的金融体系正在经历重大变革，这一变革的推动力是现代化基础设施建设和创新技术的应用。安哥拉国家银行（Banco Nacional de Angola, BNA）在这一进程中发挥了重要作用，积极推动技术框架的升级。2024年2月，BNA采用了SAP的创新解决方案，以现代化其系统，提高运营效率和灵活性。

此外，世界银行通过“东部和南部非洲包容性数字化计划”（Inclusive Digitalization in Eastern and Southern Africa, IDEA）支持安哥拉加速数字化发展。该计划旨在提升互联网接入率和数字服务的使用水平，助力安哥拉数字经济的发展。 BNA采用了SAP的S/4HANA平台，大幅提升了银行的业务流程，增强了数字化和自动化能力。这一升级不仅改善了系统性能，还简化了管理报告流程，为推出新产品和服务奠定了基础，进一步巩固了安哥拉金融体系的实力。

IDEA计划由国际复兴开发银行（IBRD）提供3亿美元贷款资助，并由行政现代化研究所（Instituto de Modernização Administrativa）负责实施和协调。该项目的重点包括扩大高质量且可负担的互联网服务覆盖范围，建立数字化社区空间，以及支持政府的数字化转型议程。

这些举措展现了安哥拉致力于现代化金融体系的决心。通过利用技术提升效率、包容性和经济增长，安哥拉的金融体系正向着更现代化、更高效的方向迈进。

The Role of Human Capital in Digital Transformation

A successful digital transformation extends beyond technological adoption; it requires a workforce adept in digital competencies. The BNA conference emphasized the necessity of training and upskilling employees to effectively implement and manage new technologies. This approach ensures that the human capital within financial institutions can drive and sustain digital initiatives.

● Training and Upskilling Initiatives

The Banco Nacional de Angola (BNA) has recognized the critical role of human capital in digital transformation. During its annual conference, the BNA emphasized the necessity of training and upskilling employees to adapt to evolving technological landscapes. This approach aims to empower staff within financial institutions to drive and sustain digital initiatives, fostering a culture of continuous learning and innovation.

● World Bank’s Angola Digital Acceleration Project

The World Bank’s Angola Digital Acceleration Project underscores the importance of human capital development alongside technological advancements. This initiative focuses on promoting digital entrepreneurship and equipping individuals with the skills needed to thrive in a digital economy. By enhancing digital literacy and competencies, the project aims to create a workforce capable of leveraging digital tools and platforms effectively. 

● Challenges and Opportunities

While the emphasis on human capital development presents significant opportunities, it also poses challenges. These include the need for comprehensive training programs, the integration of digital skills into educational curricula, and the creation of supportive policies and frameworks. Addressing these challenges requires collaboration among government entities, educational institutions, and the private sector to build a robust digital ecosystem.

The role of human capital in digital transformation is pivotal. By investing in training and upskilling initiatives, Angola’s financial sector can build a workforce capable of driving and sustaining digital innovation. Such efforts are essential to fully realize the benefits of digital transformation and to foster economic growth and development.

人力资本在数字化转型中的角色

成功的数字化转型不仅依赖于技术的引入，更需要一支具备数字技能的劳动力队伍。安哥拉国家银行（BNA）在其年度大会上特别强调了对员工进行培训和技能提升的必要性，以确保金融机构的人力资本能够有效推动并维持数字化进程。

● 培训与技能提升计划

安哥拉国家银行（BNA）深刻认识到人力资本在数字化转型中的关键作用。在年度大会上，BNA强调了培训和提升员工技能的重要性，以帮助他们适应不断变化的技术环境。这一方法旨在赋能金融机构的员工，推动和支持数字化创新，同时培育持续学习和创新的文化。

● 世界银行的安哥拉数字加速项目

世界银行的安哥拉数字加速项目进一步凸显了人力资本开发与技术进步并重的重要性。该项目旨在推动数字创业，并为个人提供适应数字经济所需的技能。通过提高数字素养和能力，该项目希望打造一支能够高效利用数字工具和平台的劳动力队伍。

● 挑战与机遇

尽管对人力资本发展的重视带来了许多机遇，但也面临着诸多挑战。这些挑战包括：

• 需要制定全面的培训计划；

• 将数字技能纳入教育课程体系；

• 创建支持性政策和框架。

要克服这些挑战，需要政府机构、教育机构和私营部门的共同努力，以构建一个强大的数字生态系统。

人力资本在数字化转型中具有关键作用。通过投资于培训和技能提升计划，安哥拉的金融部门能够打造一支能够推动并维持数字化创新的劳动力队伍。这些努力对于充分实现数字化转型的益处，以及促进经济增长与发展至关重要。

Challenges and Opportunities

While the digital transformation presents numerous opportunities, it also poses challenges, particularly in terms of infrastructure and digital literacy. Addressing these challenges requires a coordinated effort between the government, financial institutions, and educational bodies to build a robust digital ecosystem.

挑战与机遇

数字化转型虽然带来了许多机遇，但同时也面临着诸多挑战，特别是在基础设施和数字素养方面。应对这些挑战需要政府、金融机构和教育机构之间的协调合作，以建立一个强大的数字生态系统。

Challenges

1.Infrastructure Limitations: Angola faces constraints in its digital infrastructure, including limited internet coverage, inadequate data centers, and scarce fiber networks. These deficiencies hinder the widespread adoption of digital services and impede the efficiency of financial operations. 

2.Digital Literacy: A substantial portion of the population lacks the necessary digital skills to effectively utilize emerging technologies. This gap limits the reach and impact of digital financial services, particularly in rural areas. 

3.Cybersecurity Concerns: As digital platforms proliferate, the risk of cyber threats escalates. Ensuring robust cybersecurity measures is essential to protect sensitive financial data and maintain trust in digital financial systems. 

挑战

1. 基础设施限制

安哥拉的数字基础设施存在诸多限制，包括互联网覆盖率低、数据中心不足以及光纤网络稀缺。这些缺陷阻碍了数字服务的广泛采用，并降低了金融运营的效率。

2. 数字素养不足

大量人口缺乏必要的数字技能，无法有效利用新兴技术。这一技能差距特别限制了数字金融服务在农村地区的覆盖和影响力。

3. 网络安全隐忧

随着数字平台的普及，网络威胁的风险不断上升。确保强有力的网络安全措施至关重要，以保护敏感的金融数据并维持公众对数字金融体系的信任。

Opportunities

1.Financial Inclusion: Digital transformation can significantly enhance financial inclusion by providing accessible financial services to underserved populations. Initiatives like mobile money platforms are pivotal in reaching unbanked individuals. 

2.Economic Growth: Modernizing the financial sector can stimulate economic growth by improving transaction efficiency, reducing costs, and fostering innovation. A digitized financial system can attract investments and support the development of new business models. 

3.Government Initiatives: Programs such as the Inclusive Digitalization in Eastern and Southern Africa (IDEA) aim to increase internet access and the use of digital services, contributing to the development of Angola’s digital economy. 

机遇

1. 金融普惠

数字化转型能够显著提升金融普惠性，为未被充分服务的人群提供可及的金融服务。移动支付平台等举措在触及未开户群体方面发挥了重要作用。

2. 经济增长

现代化的金融体系可以通过提高交易效率、降低成本和推动创新来促进经济增长。数字化的金融系统能够吸引投资，并支持新商业模式的发展。

3. 政府支持计划

“东部和南部非洲包容性数字化计划”（IDEA）等项目旨在提高互联网接入率和数字服务的使用水平，为安哥拉的数字经济发展提供助力。

Strategic Approaches

Addressing these challenges and capitalizing on the opportunities requires a coordinated effort among government entities, financial institutions, and educational bodies:

•Infrastructure Development: Investing in expanding and upgrading digital infrastructure is crucial. This includes enhancing internet connectivity, establishing reliable data centers, and extending fiber networks to underserved regions. 

•Digital Literacy Programs: Implementing comprehensive digital literacy initiatives can empower individuals to effectively engage with digital financial services, thereby broadening the user base and fostering inclusivity. 

•Strengthening Cybersecurity: Developing robust cybersecurity frameworks and protocols is essential to safeguard digital financial systems against potential threats and to build user confidence. 

The Banco Nacional de Angola’s commitment to digital transformation, alongside initiatives like the IDEA program, positions the country to harness the benefits of a modernized financial system. By investing in both technology and human capital, Angola can enhance financial inclusion, stimulate economic growth, and improve the overall efficiency of its financial sector.

战略措施

要应对这些挑战并充分利用机遇，需要政府、金融机构和教育机构之间的协调努力：

• 基础设施发展

投资于扩展和升级数字基础设施至关重要。这包括提高互联网连接质量、建立可靠的数据中心以及将光纤网络覆盖到欠服务地区。

• 数字素养培训计划

实施全面的数字素养培训计划，能够赋能个人有效参与数字金融服务，从而扩大用户基础，促进包容性。

• 加强网络安全

开发强有力的网络安全框架和协议，以保护数字金融系统免受潜在威胁，同时增强用户信心。

The Banco Nacional de Angola’s commitment to digital transformation, alongside initiatives like the IDEA program, positions the country to harness the benefits of a modernized financial system. By investing in both technology and human capital, Angola can enhance financial inclusion, stimulate economic growth, and improve the overall efficiency of its financial sector.

安哥拉国家银行（BNA）对数字化转型的承诺，加上诸如IDEA项目等举措，使得该国能够充分利用现代化金融体系的优势。通过在技术和人力资本上的双重投资，安哥拉有望提高金融普惠性，刺激经济增长，并优化金融领域的整体效率。

写在最后

In conclusion, the BNA’s annual conference highlighted the critical interplay between digital transformation and human capital development in Angola’s financial sector. By embracing technological advancements and investing in workforce training, Angola is poised to create a more inclusive and dynamic financial environment.

BNA的年度大会突出了数字化转型与人力资本开发在安哥拉金融体系中的关键联系。通过拥抱技术进步并投资于劳动力培训，安哥拉正朝着创建一个更加包容和充满活力的金融环境迈进。