Digital Commerce Expansion, Instant Payments Growth, and AI Adoption Reshape Latin America’s Retail and Financial Services in 2026

Hamburg-based secondary market research firm yStats.com analyzes how digital commerce, the evolving payments landscape, and artificial intelligence are reshaping retail and financial services across Latin America in its latest publication, Global Compendium 2026: Volume 5 Latin America Digital Commerce & Payments in the Age of AI, providing in-depth coverage of market development, transaction infrastructure, consumer behavior, and enterprise transformation across Brazil, Mexico, Argentina, Colombia, Chile, and Peru.

Latin America’s Digital Commerce Expansion Accelerates Across Core Markets

Latin America’s digital commerce market is undergoing continued structural expansion, supported by rising mobile usage, increasing transaction volumes, and the growing role of E-Commerce within the region’s retail sector. Market growth remains highly concentrated, with Argentina, Brazil, and Mexico together accounting for over 80% of regional retail E-Commerce sales in 2025. Internet penetration is approaching saturation in several leading markets, including Chile and Peru, reinforcing the underlying infrastructure supporting digital commerce participation across the region.

Digital Payments Gain Momentum as Instant Systems and Fintech Challenge Traditional Models

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Latin America’s payments market is undergoing a transformation as digital transactions accelerate and instant payment systems expand across the region. Payments revenue is set to triple by 2027, while non-cash transactions are projected to grow at over +20% CAGR through 2028, surpassing 340 billion transactions. Although cards remained the dominant payment method, instant payments and credit transfers continue to gain traction, signaling a shift toward faster, digital-first transaction models. Brazil’s Pix system exemplifies this transition, with transaction volumes on track to surpass USD 4 trillion in 2024, reshaping both online and in-person payments.

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AI Adoption Deepens as Fraud Pressures and Enterprise Transformation Accelerate

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AI adoption across Latin America’s payments and E-Commerce sectors is expanding rapidly, driven by rising fraud risks, evolving regulatory frameworks, and the growing strategic importance of automation and data-driven decision-making. Financial institutions and payment providers are increasingly deploying AI for fraud detection, customer engagement, credit assessment, and operational optimization, while fintech firms integrate AI across payment processing, risk management, and personalization. Although enterprise AI adoption in Latin America now exceeds global averages in several functional areas, infrastructure gaps, talent shortages, and uneven organizational readiness continue to shape deployment outcomes.

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Access the Full Report

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For detailed insights into Latin America’s E-Commerce, payments, and AI transformation, access Global Compendium 2026: Volume 5 Latin America Digital Commerce & Payments in the Age of AI. Please contact press@ystats.com for more information.

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