Open Finance  ·  Latin America  ·  March 2026  ·  5 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.

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