DUBLIN --(BUSINESS WIRE)

AI adoption in Latin America's payments and E-Commerce markets accelerates in leading fintech hubs, while structural barriers, talent gaps, and uneven governance limit scalable impact across the region.

This report provides data-driven insights into how Artificial Intelligence (AI), including Generative AI (GenAI), is reshaping financial services and online commerce across Latin America. It examines adoption momentum, sector-specific deployment, regulatory frameworks, and the region's talent and infrastructure constraints that influence AI scaling.

Fintech ecosystems accelerate AI growth, yet uneven readiness persists

AI adoption is advancing across Latin America, led by Brazil, Mexico, and Colombia through strong fintech ecosystems and supportive regulations. The region's fintech sector grew by over 300% between 2017 and 2023, cementing its global relevance. Yet smaller economies remain behind due to high costs and limited technical expertise, with more than 40% of firms citing skill shortages and unclear ROI as primary barriers.

Talent shortages and infrastructure gaps hinder enterprise scaling

Large firms increasingly integrate AI, but workforce constraints remain critical. Around 60% of organizations highlight AI training as their top need, while half point to funding and infrastructure challenges outside major hubs. Despite this, Generative AI use is already widespread, especially in Brazil and Mexico, where upskilling programs are expanding rapidly.

Governance frameworks evolve, but enforcement remains fragmented

Regulatory progress is accelerating as Brazil, Chile, and Colombia introduce risk-tiered AI frameworks aligned with global norms. Over half of Latin Americans support stronger government oversight emphasizing transparency and accountability. However, limited institutional capacity and uneven enforcement continue to hinder cohesive regional governance.

Key Questions Answered:

  • Which Latin American countries led AI adoption in 2025?
  • What was the most common type of AI framework used in Latin America?
  • What were the main obstacles to AI adoption in 2025 in Latin America?
  • What share of organizations in Latin America had implemented AI in 2025?
  • What percentage of organizations in Latin America lacked AI expertise or resources in 2025?

Companies Featured

  • OpenAI
  • Google
  • Anthropic
  • Galileo
  • JPMorgan
  • Pix
  • Latitud

Key Topics Covered:

1. Key Takeaways

2. Management Summary

3. AI Adoption Landscape & Regional Patterns

3.1. Latin America: Adoption Benchmarks

3.1.1. Regional

  • Latin America & Global: AI Adoption by Enterprise Use Cases, in % of Respondents, 2024
  • Latin America & Global: Perceived Business Impact of Generative AI, in % of Companies, 2023 & 2024
  • Latin America & Global: AI Delivery Team Implementation, in % of Companies, 2023 & 2024
  • Latin America & The Caribbean: Job Categories by Exposure to GenAI, in % of Respondents, April 2025
  • Latin America & The Caribbean: Job Categories by Productivity Potential from GenAI, in % of Resp., Apr 2025
  • Latin America & The Caribbean: Job Categories by Automation Risk from GenAI, in % of Resp., April 2025
  • Latin America & The Caribbean: Workforce Distribution by GenAI Exposure, in % of Resp., April 2025
  • Latin America: Share of Organizations Using AI Tools Across Business Functions, in % of Resp., 2024
  • Latin America: Perceived Impact of AI Tools Across Business Functions, in % of Respondents, 2024
  • Latin America: Adoption of AI-Based Business Solutions, in % of Companies, Jan 2025
  • Latin America: Stage of AI Adoption in Organizations, in % of Respondents, 2025
  • Latin America: Approaches to AI Capability Development, in % of Respondents, 2025
  • Latin America: Share of Latitud Fellowship Companies Identifying as AI-centric or AI-enabled, in % of Resp., 2022-2023 & H1 2024
  • Latin America: Founders' Views on AI Transformative Force for Business and Society, in % of Resp., 2024
  • Latin America: Founders' Expectations of AI Impact on Cost Reduction and Revenue Growth, in % of Resp., 2024
  • Latin America: Founders' Perceptions of AI Market Expectations, in % of Respondents, 2024
  • Latin America: Founders' Views on AI Hype and Investor Overexpectations, in % of Respondents, 2024
  • Latin America: Generative AI Adoption in Tech Companies, in % of Respondents, 2024
  • Latin America: Adoption of AI Frameworks by Provider, in % of Respondents, Mar-Apr 2025
  • Latin America: Number of AI Frameworks Adopted, in % of Respondents, Mar-Apr 2025
  • Latin America: Expected Impact of AI on Workforce, in % of Respondents, Mar-Apr 2025
    Latin America: Main Drivers of AI Adoption, in % of Respondents, Jan 2025
  • Latin America: Main Drivers of Excitement About AI Adoption, in % of Respondents, 2025
  • Latin America: Good Understanding of AI by Country, in % of Respondents, Aug-Sep 2024
  • Latin America: Use of AI Tools in Daily Life by Country, in % of Respondents, Aug-Sep 2024

3.1.2. Country Spotlights

  • Brazil: Population Familiarity with AI, in % of Respondents, 2024
  • Brazil: Corporate Perceptions of AI for Automation and Efficiency, in % of Respondents, Jan 2025
  • Mexico: Corporate Perceptions of AI for Automation and Efficiency, in % of Respondents, Jan 2025
  • Colombia: Corporate Perceptions of AI for Automation and Efficiency, in % of Respondents, Jan 2025
  • Chile: Corporate Perceptions of AI for Automation and Efficiency, in % of Respondents, Jan 2025
  • Argentina: Corporate Perceptions of AI for Automation and Efficiency, in % of Respondents, Jan 2025
  • Brazil: Corporate Expectations of AI's Impact on Industry, in % of Respondents, Jan 2025
  • Mexico: Corporate Expectations of AI's Impact on Industry, in % of Respondents, Jan 2025
  • Colombia: Corporate Expectations of AI's Impact on Industry, in % of Respondents, Jan 2025
  • Chile: Corporate Expectations of AI's Impact on Industry, in % of Respondents, Jan 2025
  • Argentina: Corporate Expectations of AI's Impact on Industry, in % of Respondents, Jan 2025
  • Brazil: Expected Timeline of Results from AI Strategies, in % of Respondents, Jan 2025
  • Mexico: Expected Timeline of Results from AI Strategies, in % of Respondents, Jan 2025
  • Colombia: Expected Timeline of Results from AI Strategies, in % of Respondents, Jan 2025
  • Chile: Expected Timeline of Results from AI Strategies, in % of Respondents, Jan 2025
  • Argentina: Expected Timeline of Results from AI Strategies, in % of Respondents, Jan 2025
  • Brazil: AI Investment Plans, in % of Respondents, Jan 2025
  • Mexico: AI Investment Plans, in % of Respondents, Jan 2025
  • Colombia: AI Investment Plans, in % of Respondents, Jan 2025
  • Chile: AI Investment Plans, in % of Respondents, Jan 2025
  • Argentina: AI Investment Plans, in % of Respondents, Jan 2025

3.2. Seller Segmentation & Barriers

  • Latin America & The Caribbean: Infrastructure, Computing, Server, and Data Ecosystem Gaps for AI Adoption, Aug 2025
  • Latin America & The Caribbean: AI Talent Shortages, Education Pipeline Weaknesses, and Firm-Level Adoption Gaps, Aug 2025
  • Latin America: AI Opportunity in Service Exports, Investment Gap, Export Lag, and Skills Gap, Aug 2025
  • Latin America: Main Challenges to AI Implementation, in % of Respondents, 2024
  • Latin America: Main Obstacles to AI Adoption, in % of Respondents, Jan 2025
  • Latin America: Leading Barriers to AI Adoption, in % of Respondents, Mar-Apr 2025
  • Latin America: Barriers to AI Exploration, in % of Respondents, 2025
  • Latin America: Key Areas of Support Needed for AI Adoption, in % of Respondents, Mar-Apr 2025

4. Functional Use Cases & Economic Impact

4.1. E-Commerce Seller Operations

4.2. Payments & FinTech Use Cases

5. Risk Management, Trust & Security

5.1. Fraud & Threat Trends

5.2. Trust & Readiness

5.3. Regulation & Compliance

6. Competitive Landscape & Strategic AI Movement

6.1. Market Scale & Activity

6.2. Venture Capital Strategies & AI Integration Trends

7. AI Governance, Regulation & Innovation Enablers

7.1. AI Innovation Frameworks

For more information about this report visit https://www.researchandmarkets.com/r/53jsvp

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