Monica Millares

𝗕𝗿𝗲-𝗕 𝗶𝘀 𝗹𝗶𝘃𝗲 — but the hardest part starts now. This system makes instant, interoperable payments possible for all Colombians. 🇨🇴 Yet its success will depend on more than technology: • Building digital trust and financial education • Preventing fraud tied to key-based transfers • Creating sustainable business models after 2029 • Competing not with cards — but with cash As Valentina Meneses Naranjo notes in her analysis for PCMI, Bre-B’s impact won’t come from replacing what exists, but from improving how it connects (link in the comments). At PCMI, we help institutions anticipate these shifts — and grow, measure, and protect their business as new infrastructures like Bre-B redefine Latin America’s payments landscape. #BreB #Colombia #DigitalPayments #PCMI #MarketIntelligence #Fintech #Payments #RealTimePayments #Innovation

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Paraguay’s digital payments ecosystem has long faced structural challenges — from an outdated legal framework and design gaps in the fast payments system to limited competition in the cards market. These barriers have slowed innovation and limited the potential of digital payments to drive inclusion and growth. Through an F4D-supported grant, the Central Bank of Paraguay (BCP) is addressing these challenges head-on. The World Bank team helped draft a new Payments System Law, enacted on June 27, 2025, embedding competition, interoperability, innovation, and inclusion as the guiding principles of the national payments ecosystem. The work also informed key reforms — from improving the fast payments platform and introducing national QR standards to reviewing the cards market and reducing barriers for new providers. Together, these efforts are laying the foundation for a more open, innovative, and inclusive digital payments environment across #Paraguay. Learn more: https://lnkd.in/eapfzU8E https://lnkd.in/eag_itMi https://lnkd.in/ewwjhiUt 

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How one change helped Nubank generate $150M in passive revenue. 🚀 Nubank isn’t just breaking records in Latin America—it’s rewriting the playbook on how neobanks can scale beyond core banking. By embedding simple, low-friction life insurance directly into their app, they achieved some staggering results. But it’s not just about the money. Nubank found that customers who adopted insurance products were more engaged, used more features, and showed higher loyalty. The takeaway? Today’s customers don't want a different app for every service. They want a one-stop hub for financial resilience. #embeddedInsurance #InsurTech #FinTech #LifeInsurance

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Latin America’s Payments Evolution is Unlocking Digital Commerce for Millions Latin America just became fintech’s pace-setter—smart, pro-innovation regulation plus real-time rails (e.g., Pix) and mobile-first wallets (Nequi, Yape, Mercado Pago, Iniciador) have removed friction, unlocked inclusion, and fueled a 340% surge to 3,000+ fintechs since 2017. The playbook: leverage BaaS to ship faster, win “principality” with UX and personalization in an interoperable A2A world, and pair growth with strong fraud, privacy, and consumer-protection controls as schemes like Pix expand (JSR/Automático/Parcelado) and neighbors follow with their own instant-payment frameworks. https://lnkd.in/eB4DmW3h Boku #fintech #finance #banking #paytech #payments #fintechnews #paymentsnews #LatinAmerica #Pix #OpenFinance #DigitalWallets #RealTimePayments #A2A #EcommerceGrowth #FinancialInclusion

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Fintech is reshaping trust in cross-border money movement—and ARQ’s latest funding signals a turning point for Latin America’s digital banking future. 💡 ARQ raised $70M in a Series B led by Sequoia Capital and Founders Fund to accelerate a broader, stablecoin-driven financial platform across Latin America. The company plans a rebrand, expanded product suite, and stronger wealth management and credit offerings, aiming to become a full-service digital bank in the region. With over 2 million users and $10B+ in annualized cross-border transactions, ARQ demonstrates how stablecoins can bridge currency volatility and banking gaps in emerging markets. Key implications: - Stablecoins as a gateway to financial inclusion, blending digital wallets, multi-currency accounts, and local currency access. - A shifting competitive landscape where traditional neobanks and fintechs integrate stablecoin rails and wider financial services. - Policy and compliance remain central as regulators balance innovation with security and consumer protection. Why it matters for business and policy: scalable digital banking with stablecoins can unlock new revenue streams, diversify risk, and inform regulatory frameworks for safer cross-border payments and inclusive financial services. Read more: …

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Trust is the foundation of payments — and Online IPS has been delivering it for nearly two decades. Global presence across LATAM, Europe, and the U.S. Deep expertise in cross-border payments, compliance, and fraud protection Trusted partner for merchants of all sizes, from startups to enterprise-scale businesses Why it matters: In a world of increasing regulatory scrutiny, complex payment rails, and rising fraud, merchants need a partner they can rely on — one that has a proven track record. Online IPS: Connecting merchants and customers seamlessly for 15+ years.

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Pago ASAP Raises $1.15M in Funding Pago ASAP, a Latin America-based cross-border payments platform, has raised $1.15 million in a seed round at a $5 million valuation. #Payments #CrossBorderPayments #PaymentInfrastructure #DigitalPayments #APIs #SaaS #SeedFunding #PagoASAP https://lnkd.in/geDGJKHM

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