世界银行：2025年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报告（英文版）

Fast payments are transforming digital finance ecosystems in Latin America and the Caribbean (LAC) by improving the speed, affordability, and user experience of digital payments. Transferring money has historically been a cumbersome and expensive task. It could require traveling to a bank branch during business hours, paying a fee, and waiting several days for the recipient to receive the funds. The introduction of digital wallets reduced some of these frictions, but many remained due to siloed