2022-05-18-世界经济论坛-Accelerating_Digital_Payments_in_Latin_America_and_the_Caribbean_28页_5mb

Summary of "Accelerating Digital Payments in Latin America and the Caribbean"

Digital payments are a cornerstone of economic activity, financial inclusion, and business growth in Latin America and the Caribbean (LAC), supported by rapid adoption of technologies like real-time payments and mobile wallets. This region has seen significant growth in digital payments, including a rise in card usage from 800 million in 2007 to 1.8 billion in 2021, and surged mobile account adoption during the COVID-19 pandemic. Key drivers include e-commerce expansion and government disbursements, but challenges like low banking access (e.g., 45% of Latin Americans unbanked in 2020) persist due to regulatory barriers, lack of standardization, and market competition issues.

The main barriers are financial exclusion, outdated regulations hindering innovation, and limited interoperability. Proposed solutions emphasize building regulatory practices that promote openness, standardization, and a level playing field, encouraging public-private collaboration through mechanisms like regulatory sandboxes. Additionally, exploring digital trade agreements and supporting innovations like CBDCs and open banking can address these hurdles.

Moving forward, accelerating digital payments requires coordinated efforts from governments, industry stakeholders, and individuals to foster inclusion, enhance security, and drive economic empowerment.