yStats.com reports that AI adoption in Latin America’s payments and E-Commerce markets accelerates in leading fintech hubs, while structural barriers, talent gaps, and uneven governance limit scalable impact across the region
yStats.com reports that AI adoption in Latin America’s payments and E-Commerce markets accelerates in leading fintech hubs, while structural barriers, talent gaps, and uneven governance limit scalable impact across the region
Hamburg-based secondary market research firm yStats.com has published AI in Latin America’s Payments and E-Commerce: Growth, Innovation, and Structural Challenges 2025. The report provides data-driven insights into how Artificial Intelligence (AI), including Generative AI (GenAI), is reshaping financial services and online commerce across Latin America. It examines adoption momentum, sector-specific deployment, regulatory frameworks, and the region’s talent and infrastructure constraints that influence AI scaling.
Fintech leadership drives adoption, but scaling remains uneven
AI adoption is growing across Latin America, with Brazil, Mexico, and Colombia leading regional integrationsupported by large fintech ecosystems and progressive regulatory initiatives. The number of fintech firms expanded by over 300% between 2017 and 2023, reinforcing the region’s position as a global fintech growth hub. However, smaller economies continue to lag, limited by high implementation costs and restricted access to technical expertise. Despite strong growth, over 40% of organizations cite a lack of technical expertise as a major barrier, followed by limited resources and unclear ROI, illustrating the persistent capability gap across smaller and mid-sized firms
Structural and workforce gaps slow enterprise-level scaling
While adoption is strong among large enterprises, over 60% of Latin American organizations identify AI talent and training as their top support need, followed by 50% citing venture funding gaps. Limited access to advanced computing and uneven cloud infrastructure remain barriers, particularly outside major hubs. Nevertheless, the majority of organizations already use Generative AI in daily operations, highlighting rapid mainstreaming despite structural deficiencies. Workforce readiness programs and corporate AI training initiatives are expanding, particularly in Brazil and Mexico, where over half of companies report active investment in upskilling teams
Regulatory coordination advances, but governance maturity varies
Governance reform is advancing, with over 50% of Latin Americans supporting government regulation of AI and countries such as Brazil, Chile, and Colombia introducing risk-tiered frameworks aligned with global standards. These proposals emphasize transparency and accountability for high-risk systems like fraud detection and automated decision-making. Innovation sandboxes and SME-focused provisions are also expanding to encourage experimentation. However, uneven institutional capacity and fragmented enforcement frameworks continue to limit regional consistency, reinforcing the need for stronger cooperation and public trust measures across markets
Access the full report
For a detailed analysis of AI adoption trends, sector innovations, governance evolution, and workforce dynamics shaping Latin America’s payments and E-Commerce markets, access the latest yStats.com publication: AI in Latin America’s Payments and E-Commerce: Growth, Innovation, and Structural Challenges 2025. Contact press@ystats.com for more information.
