The Innovators 2026: Latin America

As the world explores the possibilities of artificial intelligence, financial institutions and fintechs in Latin America have been using this and other technologies to disrupt how money circulates and how customers are served.

One result of technology’s impact on how financial services are delivered to the broader Latin American market is an increase in account ownership among adults to over 75% in 2025, up from 39% in 2011, according to Global Findex Data.

Technology has changed what customers experience and how they access their money, but it has also, at a basic level, changed how financial institutions operate.

Banks, financial institutions, and fintechs have been investing in digital solutions that put customers first and enable access to digital payment platforms and credit. Expanded consumer choice and the availability of financial products and services for consumers throughout the region have steadily bolstered local economies.