Digital infrastructure is key to expanding financial inclusion.

Helga Sierra, Managing Partner of Infinity Partners LATAM, shares the first of three key ideas on financial innovation after attending the FinnLAC Forum organized by IDB Invest in Miami, Florida.

The FinnLAC Forum is the leading regional event on financial innovation in Latin America and the Caribbean, organized by the Inter-American Development Bank (IDB) Group. It brings together leaders from the financial, governmental, technological, and academic sectors to discuss and promote innovation, financial health, and sustainable development in the region.

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Digital infrastructure is key to expanding financial inclusion, especially for unbanked populations.

From inclusion to interoperability: a new digital priority

Although financial inclusion has been the central goal in Latin America for years, a paradigm shift is underway: interoperability is becoming the backbone of digital ecosystems. It's no longer just about who has access, but how systems talk to each other, how value moves seamlessly, and how businesses and users can plug into broader networks that create real-time, scalable impact.

Pedro Rivas, Managing Director de Mercado Pago, (Interviewed by Marisela Alvarenga, Managing Director Chief Financial Sector IDB Invest) explained that by having the technological base, you reduce the cost of serving the customer and, in order to remain pioneers, they continue to modify their internal processes, adapting to the use of AI.

The power of digital infrastructure

From farmers receiving daily crop prices on their phones to tokenized credit systems and AI-powered microloans, digital infrastructure is unlocking efficiency and resilience. Platforms integrating payments, identity, and data at both macro and micro levels are redefining how businesses in emerging markets engage with consumers, banks, and regulators, while new platforms are being launched, such as SWIFT's new platform that introduces a change for international retail payments.

What does this mean for businesses in Latin America?

Now is the time to invest in digital transformation. CRMs, ERPs, and cloud-based payment platforms are no longer optional; they are foundational.

Without the flexibility and scalability of digital infrastructure, companies risk falling behind.

Noticing new technology trends being created for e-commerce based businesses can open new business opportunities.

At Infinity Partners LATAM, we help businesses embrace the tools, strategy, and systems that future-proof their operations and unlock sustainable growth.

At Infinity Partners LATAM , we help organizations leave behind outdated processes and migrate to resilient digital systems, because being resilient is not just about resisting, it's about scaling with confidence.