6OCTOBER 2025Editor's NoteA New Era for Latin America's Digital FinanceLatin America is rewriting its rules of finance. Across the region, banks, fintechs, and investors are moving with fresh urgency, fueled by the rapid rise of digital platforms, new open finance regulations, and growing confidence in the region's potential. What once felt experimental has become a defining force in financial transformation.From Mexico City to São Paulo, financial institutions are rebuilding from the ground up. Outdated systems are being replaced with flexible, data-driven platforms. Digital payments are becoming effortless, and artificial intelligence is helping create smarter, more accessible financial services. The goal is simple: to make finance faster, fairer, and more connected.Progress, however, brings its own challenges. Each country operates under different regulatory rules, making regional integration a complex task. Legacy systems and fragmented data continue to hold institutions back, while maintaining compliance and trust remains a constant test.Even with these hurdles, optimism is growing. Brazil's open finance success shows what can happen when clear governance meets bold innovation. Its progress is inspiring other markets to move faster and attract new investment. Capital is flowing into platforms that power real-time payments, smooth regional transactions, and greater access to credit for people and businesses long left out of the system.As 2025 unfolds, Latin America is not following the global fintech story. It is writing its own, with technology, inclusion, and resilience at its core.In this edition, we feature several influential names and their perspectives on the current situation and the upcoming opportunities in the market. We include insights from Cléber Alexandre Agazzi, Head of Infrastructure & IT Operations at Sicredi and Carlos Francisco Silva Ortiz, Head of Data & AI, Skandia Colombia, who offer a deeper look into the workings of their organizations and their role in it. We believe their insights will help you make better and more data-driven business decisions.Let us know your thoughts!Copyright © 2025 ValleyMedia, Inc. All rights reserved. Reproduction in whole or part of any text, photography or illustrations without written permission from the publisher is prohibited. The publisher assumes no responsibility for unsolicited manuscripts, photographs or illustrations. Views and opinions expressed in this publication are not necessarily those of the magazine and accordingly, no liability is assumed by the publisher thereof.Managing EditorJeff RodriguezEditorial StaffAaron Pierce Ava Garcia Joshua ParkerPearl JohnsonVisualizersRobert Gray SmithKevin Parker *Some of the Insights are based on the interviews with respective CIOs and CXOs to our editorial staffEmail:sales@financialservicesreview.comeditor@financialservicesreview.commarketing@financialservicesreview.com OCTOBER 15, 2025, Vol 06 - 23 (ISSN 2835-9771) Published by ValleyMedia, Inc. To subscribe to Financial Services ReviewVisit www.financialservicesreview.com Jeff RodriguezManaging Editoreditor@financialservicesreview.com
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