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KDI 경제교육·정보센터

ENG
  • 경제배움
  • Economic

    Information

    and Education

    Center

최신자료
Beyond Cash: The Digital Payments Revolution in Latin America and the Caribbean
IADB
2025.09.19
This report explores the rapid and transformative shift from cash-based to digital payment systems across Latin America and the Caribbean. The report documents diverse national experiences, highlighting that there is no one-size-fits-all model for success. Instead, progress hinges on solving key market failuressuch as lack of interoperability, coordination problems, and barriers to entrywhile fostering trust and inclusion. It emphasizes the importance of aligning technology, regulation, and incentives to build robust and inclusive payment ecosystems. The report also emphasizes remaining challenges, such as leveraging modern payment systems to further expand access to other financial services like credit and ensuring that well-intentioned policies do not generate unintended effects in a region with high informality. The analysis lays out a promising research and policy agenda for Latin America and the Caribbean.