Open Finance  ·  Latin America  ·  March 2026  ·  12 min read

Open Finance in LatAm 2026: Regulatory Gaps Europe Learned the Hard Way

Latin America is scaling Open Finance fast. Europe already knows what happens when infrastructure outpaces regulation. Brazil has 128 million active Open Finance consents as of December 2025. Chile enters mandatory implementation in April 2026. Colombia launched its interoperable Open Finance hub in 2025. The lesson from PSD2 is still relevant — and still being ignored.

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Context

Open Finance is expanding across Latin America at a pace that regulators are struggling to match. Brazil’s consent volume surpassed 128 million by end of 2025. Chile enters its mandatory phase in April 2026. Colombia has launched an interoperable hub. Mexico passed its Fintech Law — and is watching what went wrong in Europe first.

Embedded Finance  ·  Jun 2025  ·  5 min read

The Loophole Economy of Embedded Finance

Non-financial firms turned PSD2 compliance gaps into business models by building where regulation was unclear.

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Financial Inclusion  ·  Oct 2024  ·  8 min read

Open Banking is Great, Unless You’re an Immigrant

While residents in Europe link all their accounts and get personalized advice, immigrants are left managing fragmented financial systems.

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Investment  ·  Oct 2024  ·  7 min read

Investment in Open Banking Leaves the U.S. Behind

Open Banking has changed the game, building investor trust and driving a surge of funding into fintech, especially for PayTechs.

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Regulation  ·  May 2024  ·  8 min read

PSD2: Leveling the Financial Playing Field

For years the rules of banking were simple: if you controlled the accounts, you controlled everything. PSD2 changed that logic permanently.

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Credit & Lending  ·  Apr 2024  ·  9 min read

Credit Evaluation in the Era of Open Banking

Open Banking has the potential to change how we decide who deserves credit — and for every dollar saved, 81 cents are given to others as loans.

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Open Banking  ·  Apr 2024  ·  7 min read

Open Banking: Europe’s Transformative Fintech Tool

Getting instant credit with a click in your bank’s app is becoming the norm across Europe. The answer isn’t new technology — it’s a regulatory decision.

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