推动数字化转型和包容性：拉丁美洲和加勒比地区的快速支付（英）

Driving Digital Transformation and InclusionFast Payments in Latin America and the CaribbeanNOVEMBER 2025SENDING 50.00PAY NOW50.00 RECEIVED!Public Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedPublic Disclosure AuthorizedB | Fast Payment Systems: Preliminary Analysis of Global Developments© 2025 International Bank for Reconstruction and Development / The World Bank 1818 H Street NW Washington DC 20433 Telephone: 202-473-1000 Internet: www.worldbank.org This work is a product of the staff of The World Bank with external contributions. The findings, interpretations, and conclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board of Executive Directors, or the governments they represent. The World Bank does not guarantee the accuracy, completeness, or currency of the data included in this work and does not assume responsibility for any errors, omissions, or discrepancies in the information, or liability with respect to the use of or failure to use the information, methods, processes, or conclusions set forth. The boundaries, colors, denominations, links/footnotes and other information shown in this work do not imply any judgment on the part of The World Bank concerning the legal status of any territory or the endorsement or acceptance of such boundaries. The citation of works authored by others does not mean the World Bank endorses the views expressed by those authors or the content of their works.Nothing herein shall constitute or be construed or considered to be a limitation upon or waiver of the privileges and immunities of The World Bank, all of which are specifically reserved.RIGHTS AND PERMISSIONS The material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, this work may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given. Any queries on rights and licenses, including subsidiary rights, should be addressed to World Bank Publications, The World Bank Group, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522-2625; e-mail: pubrights@worldbank.org. Cover design: Naylor Design, Inc.ACRONYMS AND ABBREVIATIONS ivACKNOWLEDGMENTS v1. EXECUTIVE SUMMARY 1Key Findings 2Policy Messages 62. A 20-YEAR JOURNEY TOWARD FAST PAYMENTS IN LATIN AMERICA AND THE CARIBBEAN 102.1 Fast Payments Emerge with Limited Central Bank Involvement (Late 2000s–Early 2010s) 102.2 Early Efforts Display Limits as Central Banks Begin to Instigate Change (Mid-2010s) 122.3 A Major Shift in FPS Governance (Late 2010s–Present) 133. THE FAST PAYMENTS OPPORTUNITY IN LATIN AMERICA AND THE CARIBBEAN 153.1 The Growth of Fast Payments in LAC, 2017–24 153.2 Design Features that Underpin the FPS Value Proposition in LAC 173.3 Fast Payment Systems as a Catalyst for Digital Payments 233.4 Are Fast Payments Broadening or Deepening Financial Inclusion? 264. FAST PAYMENTS CHALLENGES IN LAT