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The Latin American Fintech Revolution You're Missing

January 28, 2026720 reads12 comments

350 million unbanked adults. Smartphone penetration above 70%. A new generation of fintech companies is doing for Latin America what M-Pesa did for Africa — and the valuations are still reasonable.

Quick Take

Latin American fintech is solving massive financial inclusion gaps with mobile-first products. The addressable market is enormous, adoption curves are accelerating, and valuations haven't caught up to the opportunity.

The Latin American Fintech Revolution You're Missing — Quick Take

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#fintech

#latin-america

#emerging-markets

#financial-inclusion

#mobile

Investment Angles

$NU

long

8/10

medium-term

Digital banking leader with 90M+ customers across LatAm

$MELI

long

7/10

long-term

E-commerce + fintech platform with dominant LatAm position

This content represents the published opinion of Diego Navarro and is provided for informational and educational purposes only. It is not a recommendation to buy, sell, or hold any security.

Discussion(12)

You

Alex Rivera4h ago

Really well-argued thesis. The supply/demand data alone makes this compelling. I've been building a position in NEM for similar reasons.

Jessica Huang2h ago

What's the biggest risk to this thesis? Seems like a sudden dollar strengthening or a deflationary shock could unwind the trade quickly.

Michael Torres45m ago

I'd add that the geopolitical angle is underappreciated. Central bank gold buying isn't just about returns — it's about de-dollarization. That's a structural, not cyclical, shift.

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