To mark our 25th anniversary, we are sharing a look back at the topics that shaped our media presence over the past year.
2025 was a year when the major debates in the Latin American financial sector centered on areas where Latinia had a strong voice: immediate payments, artificial intelligence applied to banking operations, and real time communications.
Throughout the year, we appeared in leading media outlets across multiple countries, from high reach general publications such as El País and Forbes to specialized industry outlets in Mexico, Colombia, Chile, Costa Rica, Ecuador, and Argentina
In total, 38 media appearances reflected the interest generated by our perspective on the topics that shaped the region’s financial agenda:
- Digital payments and financial inclusion
- Smart Frictionless models and the management of the “smart pause”
- New security challenges in an environment defined by immediacy
- Infrastructures designed to operate in real time
- The role of customers and their expectations in shaping banking services
This article brings together those appearances and organizes the key messages we shared throughout the year. It is, ultimately, a look at 2025 through the lens of the media outlets where Latinia was present.
Smart Frictionless: The New Model of Banking Trust
In 2025, the discussion on how to protect immediate payments placed Latinia at the center of the conversation.
Across 11 publications in Mexico, Colombia, Costa Rica, and Central America, we shared our view on a shift that is already reshaping the relationship between banks and users: the need to introduce a brief, precise, data driven pause to protect operations that are completed in seconds.
The strategic pause as a security mechanism
In outlets such as ACIS, Economista Colombia, Noti.mx, CLevel, and Revista Summa, we explained why a frictionless model is no longer enough to safeguard transactions resolved within seconds.
“The future is not about removing every barrier at all costs, but applying the right pause at the right moment. We call it Kit Kat banking, the smart pause.” – Oriol Ros, Co founder of Latinia.
This small point of friction does not aim to interrupt the user, but to strengthen the sense of security. A timely validation or notification, triggered at the exact moment it is needed, helps prevent risks without compromising the speed of the process.
We reinforced the same idea in publications such as Mercado y Tendencias and Portal ERP, adding an important nuance: the pause only works when it activates with purpose. The smart frictionless model becomes a tool that combines speed with judgment. It appears only when it detects risk, anticipates uncertainty, or validates a sensitive transaction.
Contextual relevance
In outlets such as Canales TI, we emphasized a message that shaped the entire smart frictionless conversation: the importance of intervening at the right moment.
In an environment where banks, fintechs, and new digital players coexist, user attention has become a key resource, and communication only creates value when it happens at the precise moment it is needed.
“Banks must put the knowledge they have about their customers to use in order to communicate with them more meaningfully.” – Oriol Ros, Co founder of Latinia.
This perspective explains why contextual relevance is essential for strengthening trust and support. The goal is not to send more messages, but to deliver the right one at the exact time the user needs it, relying on data, recent behavior, and models such as Next Best Action that help ensure every interaction has a clear purpose.
The role of artificial intelligence in the new banking experience
After highlighting the importance of intervening at the right moment, the conversation naturally shifted toward a key question: what technology makes that level of precision possible in the relationship between banks and users? In outlets such as América Retail and Forbes Colombia, we explored this by examining the role of artificial intelligence in the connection between financial institutions and their customers.
This technology moves beyond operational support to become the engine that anticipates needs, interprets behavior, and adapts every interaction in real time.
“The future lies in understanding not only what customers want, but also when and how they want it.” – Oriol Ros, Co founder of Latinia.
This ability to anticipate makes AI a core element of the smart frictionless model. It identifies patterns, detects risks before they materialize, and triggers communications that bring clarity at critical moments in the digital experience. With this technology, banks can intervene with more precision, more timing, and greater alignment with user expectations.
Digital payments and financial inclusion: transforming the Latin American ecosystem
The conversation around digital payments gained momentum in outlets such as El País, Computer Weekly, and Denaria. Across these publications, we examined how Latin America is moving toward systems that are more accessible, faster, and designed to expand financial access.
Lower fees and regulatory progress in Mexico
Mexico is accelerating the digitalization of money with measures aimed at reducing cash usage and lowering the cost of electronic payments.
“Mexico handles an excessive amount of cash, and that should be a central priority in any public policy discussion. A society simply cannot remain this cash heavy.” – Oriol Ros, Co founder of Latinia.
The debate over fees opened the door to a broader reflection on the need to modernize the payment ecosystem and address external pressures as well.
We highlighted a point that often goes unnoticed: the challenge goes beyond everyday consumers. The real gap lies within the country’s middle class of business owners, a segment that is essential for economic growth yet still faces barriers to adopting digital payments at scale.
This discussion brought a key issue into focus: digitalization can advance, but without supportive regulation, it will not reach everyone.
Evolution of Pix, CoDi, Dimo, and BreB as drivers of inclusion
Although gaps still limit the adoption of digital payments, several real time payment systems are helping narrow them and strengthen financial inclusion across Latin America. Pix remains a benchmark, while BreB marked a new stage in Colombia with a model designed for everyday use and interoperability.
The analyses published in Latam Fintech Market reinforced a key point: infrastructure matters. Only with fast and accessible systems is it possible to include small merchants, families, and businesses that still rely on cash.
Immediacy, fraud risk, and real time trust
The growth of immediate payments introduces an unavoidable challenge: fraud moves at the same speed as the transaction. This pushes the sector to consider a model that pairs immediacy with continuous protection.
“In this shift toward immediate payments, real time alerts become critical for building trust and ensuring a smooth experience.” – Juliana Ortiz, Commercial Director for Latin America at Latinia.
At Latinia, we share the view that trust is essential for inclusion to progress. And that trust is built by communicating at the exact moment the user needs it, through notifications that guide the experience and reinforce system security.
The strategic role of real time notifications
In a year marked by the expansion of instant payments across Latin America, Latinia’s presence in outlets such as Vive, Mobile Time, Iupana, Extra, Portal ERP, Economía y Desarrollo, Milenio Diario and IT Ahora positioned real time notifications as an essential element to sustain user security and trust.
Notifications as an anti fraud barrier
The rapid growth of digitalization and immediate payment systems has created a more agile experience in Latin America, but it has also increased exposure to risk.
As more users and merchants adopt these models, the very speed that enables transactions also creates openings for new types of fraud. In an environment where immediacy is the standard, protection must operate at the same pace.
This increased exposure is already visible in the rise of fraud attempts in several countries in the region, as shown by data reported by Iupana:
- Pix related fraud grew 70% in Brazil in 2024
- In Peru, 90% of cybercrimes involved instant payment wallets
In this context, alerts become a decisive line of defense.
“Before the payment is completed, within milliseconds, the user must have the chance to receive a notification saying: hey, you are about to make a payment, are you aware of it?” – Oriol Ros, Co founder of Latinia, in Iupana.
This immediate intervention makes it possible to verify recipients, confirm amounts, or detect unusual behavior just before the transaction is executed and becomes harder to reverse.
In Mobile Time, Latinia reinforced this point by highlighting that proactive notifications do more than react. They anticipate. When the system detects abnormal patterns, the user receives an alert that can block the operation, validate the activity, or prompt contact with the bank.
“Proactive alerts not only protect assets, they also reinforce the perception that the institution is looking after its customer’s interests.” – Oriol Ros, Co founder of Latinia.
Robust infrastructure and guaranteed delivery protocols
The rise of SPI systems and the increased exposure to fraud in more digital environments make continuous protection an operational requirement for banks. When security must operate at the same pace as the transaction, infrastructure reliability becomes as important as the message itself. This is why the effectiveness of notifications depends on their ability to always reach the user, even during demand spikes, network outages, or critical system moments.
As we explained in Extra, Latinia has resilient technological infrastructures and delivery protocols that ensure critical messages such as transaction authorizations or fraud alerts are transmitted without interruption.
“This robust system protects both the customer and the financial ecosystem, ensuring operational integrity and service continuity even during periods of high demand.” – Oriol Ros, Co founder of Latinia.
Proactivity and personalization in communication
Beyond security, media coverage showed how notifications are evolving toward a more strategic role: anticipating needs, interpreting behavior, and communicating only when it matters.
The ability to analyze transactional events and customer context in real time enables banks to detect unusual situations, trigger automated alerts, and support users with greater precision.
“This generates automatic alerts for both the security team and the user, helping prevent fraud and improving proactive communication to handle incidents effectively.” – Oriol Ros, Co founder of Latinia.
In Mobile Time, we expanded this idea by noting that a notification delivered at the exact right moment can influence key decisions: “A well timed notification can be the reason a customer stays or decides to take up a product at the right moment.” This personalized and contextual form of communication opens the door to a smoother relationship between bank and user, where every alert not only informs but adds value.
As the region adopts instant payments at scale and new SPI systems increase interoperability, this ability to anticipate becomes even more important. Real time intelligence is shaping a digital experience that is safer, clearer, and aligned with users living in a fully immediate environment.
Conclusion
As part of our twenty fifth anniversary, reviewing the 38 media appearances from 2025 helps answer an essential first question: what is truly changing in Latin American banking?
The discussions we joined point to the same direction. The region is moving toward a model where immediacy, protection, and applied intelligence function together. Instant payments speed up processes; fraud becomes more sophisticated; and real time notifications shift from being a channel to becoming a trust building mechanism.
The second question follows naturally: what does Latinia contribute to this conversation?
Our participation across countries and outlets highlighted a shared idea. In an environment where everything happens within seconds, what matters is not only speed, but the ability to step in with sound judgment at the right moment. This is where concepts such as the smart pause, contextual communication, and proactive alerts help balance agility and security.
Overall, 2025 showed that Latin American banking is moving toward a model where understanding the context and acting in real time becomes essential to guide users with greater clarity and confidence.
This same idea defines our twenty fifth anniversary, bringing together the year’s learnings and a reflection on how the relationship between banks and customers continues to evolve in a landscape shaped by immediacy, security, and new digital expectations.
