Hernando Rubio Dacosta, chief executive officer and co-founder of Movii in Bogotá: “In the last three years, financial inclusion growth in Latin America and the Caribbean has been driven mainly by the high penetration of smartphones and the effect that the pandemic had on the region. Millions of people who remained in the world of cash were forced to make digital payments during the pandemic and found in digital wallets a solution to move their money easier and cheaper. Additionally, most governments delivered social benefits through digital wallets or digital accounts, causing many people to enter the payment ecosystem in search of these benefits. With the rise of digital wallets and the growth of new merchants accepting payments through QR codes, the necessary conditions were created for this growth in financial inclusion. To keep this momentum going, it is necessary for…”