{"id":75485,"date":"2026-04-13T11:40:46","date_gmt":"2026-04-13T14:40:46","guid":{"rendered":"https:\/\/evertectrends.dev.creativetm.co\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/"},"modified":"2026-04-13T17:03:24","modified_gmt":"2026-04-13T20:03:24","slug":"how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam","status":"publish","type":"post","link":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/","title":{"rendered":"How to modernize a payments ecosystem without increasing complexity: A guide for financial institutions in LATAM"},"content":{"rendered":"\n<p>In recent years, the payments ecosystem in Latin America has undergone a continuous modernization process, driven by a highly digitalized and competitive environment. However, this progress which pushes financial institutions to innovate their infrastructure and diversify their portfolios and channels with a focus on decentralization, interoperability, and the modernization of financial services\u2014has also created a critical challenge: technological fragmentation across the banking sector.<\/p>\n\n<p>Many organizations continue to operate with legacy systems and architectures that separate processes such as acceptance, processing, fraud prevention, and data analytics into independent silos. This lack of integration turns technological infrastructure into something costly to maintain, difficult to scale, and more vulnerable to operational and security risks.<\/p>\n\n<p>So, how can a payments ecosystem be modernized without increasing its complexity?<br\/>The key lies in adopting models that consolidate these processes within a unified, intelligent, and data-driven architecture. Institutions that move toward this approach reduce costs, accelerate time-to-market, avoid system fragmentation, and achieve secure scalability across strategic markets in the region.<\/p>\n\n<h2 class=\"wp-block-heading has-medium-font-size\" style=\"font-style:normal;font-weight:400\"><strong>Technological fragmentation: One of the biggest challenges for the banking sector in LATAM<\/strong><\/h2>\n\n<p>Although the digital payments ecosystem in Latin America is becoming increasingly dynamic, many financial institutions still struggle to modernize their infrastructure and operate efficiently.<\/p>\n\n<p>The main cause is technological fragmentation, the result of decades of building isolated architectures without true interoperability among players in the payments ecosystem. The emergence of new payment methods, emerging technologies, and interoperability regulations has made this structure increasingly complex.<\/p>\n\n<p>This results in:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>This results in:<\/li>\n\n\n\n<li>Uneven infrastructure<\/li>\n\n\n\n<li>Multiple vendors and point-to-point connections<\/li>\n\n\n\n<li>Costly, inefficient operations that are vulnerable to fraud<\/li>\n<\/ul>\n\n<p>Additionally, many banking platforms lack consistent APIs and systems prepared for instant payments or omnichannel operations, limiting their ability to scale, innovate, and compete in Latin American markets.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>From fragmented architecture to a unified model<\/strong><\/h2>\n\n<p>To overcome this challenge, financial institutions need to migrate toward a unified architecture in which all stages of the transaction journey operate within a single ecosystem. This includes:<\/p>\n\n<ul class=\"wp-block-list\">\n<li><strong>Acceptance:<\/strong> multiple payment methods within a single layer<\/li>\n\n\n\n<li><strong>Processing:<\/strong> centralized orchestration<\/li>\n\n\n\n<li><strong>Fraud prevention:<\/strong> real-time analysis using consolidated data<\/li>\n\n\n\n<li><strong>Data intelligence:<\/strong> applied across the entire customer experience<\/li>\n<\/ul>\n\n<p>This model promotes interoperability, enables more efficient system integration, and facilitates the agile, cost-effective launch of new products.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Direct benefits for the payments ecosystem\u00a0<\/strong><\/h2>\n\n<p>In an environment where agility, security, and 24\/7 availability are essential requirements, consolidating processes within a unified, data-driven architecture enables improvements such as:<\/p>\n\n<h2 class=\"wp-block-heading\" style=\"padding-left:10px\"><strong>\u2714\ufe0f Greater Operational Efficiency<\/strong><\/h2>\n\n<p>Centralizing systems allows for:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Faster updates<\/li>\n\n\n\n<li>End-to-end monitoring<\/li>\n\n\n\n<li>API-based connectivity<\/li>\n\n\n\n<li>Efficient integration of new products<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>\u2714\ufe0f Scalability for Real-Time Payments<\/strong><\/h2>\n\n<p>A modern architecture enables the orchestration of multiple payment methods with:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Low latency<\/li>\n\n\n\n<li>High resilience<\/li>\n\n\n\n<li>Greater availability<\/li>\n<\/ul>\n\n<p>This makes it possible to scale digital payments without redesigning systems or assuming disproportionate investments.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>\u2714\ufe0f Lower Risk and Enhanced Security<\/strong><\/h2>\n\n<p>Data centralization enables:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Reduced false positives<\/li>\n\n\n\n<li>More effective anti-fraud systems<\/li>\n\n\n\n<li>Holistic evaluation of user behavior<\/li>\n\n\n\n<li>Real-time threat identification<\/li>\n\n\n\n<li>Adaptive authentication<\/li>\n<\/ul>\n\n<h2 class=\"wp-block-heading\"><strong>\u2714\ufe0f Interoperability as a Driver of Innovation<\/strong><\/h2>\n\n<p>Payments modernization in LATAM depends directly on the ability to integrate systems under common standards.<\/p>\n\n<p>Achieving this requires:<\/p>\n\n<ul class=\"wp-block-list\">\n<li>Technological standardization<\/li>\n\n\n\n<li>Efficient integrations<\/li>\n\n\n\n<li>Secure data management<\/li>\n\n\n\n<li>Agile adaptation to new payment models<\/li>\n<\/ul>\n\n<p>This is undoubtedly the most sustainable path for Latin American financial institutions seeking to reduce complexity, improve performance, and innovate without increasing costs or risk.<\/p>\n\n<h2 class=\"wp-block-heading\"><strong>Evertec: Your strategic ally in modernizing your payments ecosystem<\/strong><\/h2>\n\n<p>At Evertec, we drive the digital transformation of financial institutions in LATAM with solutions that strengthen fraud prevention, optimize digital payments, foster interoperability, and enable secure operations powered by data, AI, and cloud technology.<\/p>\n\n<p><a href=\"https:\/\/evertecinc.com\/en\/solution\/payment-processing\/\" target=\"_blank\" rel=\"noreferrer noopener\">\ud83d\udc49 Learn more about our portfolio and discover how we can help you modernize your payments ecosystem with world-class technology.<\/a><\/p>\n\n<p><a href=\"https:\/\/evertecinc.com\/en\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">\ud83d\udce9 Talk to our experts and take your institution\u2019s technology architecture to the next level.<\/a><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Modernizing payment ecosystems in LATAM helps reduce fragmentation. Discover how unified architectures improve efficiency, security, and scalability in financial institutions.<\/p>\n","protected":false},"author":9,"featured_media":75482,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[2411,2471,2410],"tags":[2613,3271],"class_list":["post-75485","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-ai-and-big-data","category-payments","category-tech-and-trends","tag-financial-institutions","tag-payment-hubs"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Modernize Payment Ecosystem Without Complexity<\/title>\n<meta name=\"description\" content=\"Learn how to modernize payment ecosystems in LATAM, reduce complexity, and improve efficiency, security, and scalability.\" \/>\n<meta name=\"robots\" content=\"noindex, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Modernize Payment Ecosystem Without Complexity\" \/>\n<meta property=\"og:description\" content=\"Learn how to modernize payment ecosystems in LATAM, reduce complexity, and improve efficiency, security, and scalability.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/\" \/>\n<meta property=\"og:site_name\" content=\"Evertec Trends\" \/>\n<meta property=\"article:published_time\" content=\"2026-04-13T14:40:46+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-04-13T20:03:24+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2026\/04\/Guia-Instituciones-Financieras.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1920\" \/>\n\t<meta property=\"og:image:height\" content=\"1080\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Evertec Trends\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Evertec Trends\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/\"},\"author\":{\"name\":\"Evertec Trends\",\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/#\\\/schema\\\/person\\\/94a5161388d983dfef2d19b764953c29\"},\"headline\":\"How to modernize a payments ecosystem without increasing complexity: A guide for financial institutions in LATAM\",\"datePublished\":\"2026-04-13T14:40:46+00:00\",\"dateModified\":\"2026-04-13T20:03:24+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/\"},\"wordCount\":631,\"publisher\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Guia-Instituciones-Financieras.png\",\"keywords\":[\"Financial Institutions\",\"Payment Hubs\"],\"articleSection\":[\"AI &amp; Big Data\",\"Payments\",\"Tech &amp; Trends\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/\",\"url\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/\",\"name\":\"Modernize Payment Ecosystem Without Complexity\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Guia-Instituciones-Financieras.png\",\"datePublished\":\"2026-04-13T14:40:46+00:00\",\"dateModified\":\"2026-04-13T20:03:24+00:00\",\"description\":\"Learn how to modernize payment ecosystems in LATAM, reduce complexity, and improve efficiency, security, and scalability.\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/#primaryimage\",\"url\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Guia-Instituciones-Financieras.png\",\"contentUrl\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/wp-content\\\/uploads\\\/2026\\\/04\\\/Guia-Instituciones-Financieras.png\",\"width\":1920,\"height\":1080,\"caption\":\"Aprende c\u00f3mo modernizar el ecosistema de pagos en LATAM, reducir la complejidad tecnol\u00f3gica y mejorar eficiencia, seguridad y escalabilidad.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/pt-br\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"IA y Big Data\",\"item\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/categoria\\\/ia-y-big-data\\\/\"},{\"@type\":\"ListItem\",\"position\":3,\"name\":\"How to modernize a payments ecosystem without increasing complexity: A guide for financial institutions in LATAM\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/#website\",\"url\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/\",\"name\":\"Evertec Trends\",\"description\":\"As tend\u00eancias de tecnologia para inovar com estrat\u00e9gia\",\"publisher\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/#organization\",\"name\":\"Evertec Trends\",\"url\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/evertectrends-sq.png\",\"contentUrl\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/wp-content\\\/uploads\\\/2024\\\/06\\\/evertectrends-sq.png\",\"width\":416,\"height\":417,\"caption\":\"Evertec Trends\"},\"image\":{\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/#\\\/schema\\\/person\\\/94a5161388d983dfef2d19b764953c29\",\"name\":\"Evertec Trends\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f46217c56c100deb166f67953efa3f81077701bca98a102e48544095d631803d?s=96&d=robohash&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f46217c56c100deb166f67953efa3f81077701bca98a102e48544095d631803d?s=96&d=robohash&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/f46217c56c100deb166f67953efa3f81077701bca98a102e48544095d631803d?s=96&d=robohash&r=g\",\"caption\":\"Evertec Trends\"},\"description\":\"Mais que um portal de conte\u00fados, um ponto de encontro para quem quer desvendar o setor financeiro.\",\"sameAs\":[\"https:\\\/\\\/www.instagram.com\\\/evertecinc\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/evertec\\\/\"],\"url\":\"https:\\\/\\\/evertectrends.dev.creativetm.co\\\/en\\\/author\\\/evertectrends\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Modernize Payment Ecosystem Without Complexity","description":"Learn how to modernize payment ecosystems in LATAM, reduce complexity, and improve efficiency, security, and scalability.","robots":{"index":"noindex","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"og_locale":"en_US","og_type":"article","og_title":"Modernize Payment Ecosystem Without Complexity","og_description":"Learn how to modernize payment ecosystems in LATAM, reduce complexity, and improve efficiency, security, and scalability.","og_url":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/","og_site_name":"Evertec Trends","article_published_time":"2026-04-13T14:40:46+00:00","article_modified_time":"2026-04-13T20:03:24+00:00","og_image":[{"width":1920,"height":1080,"url":"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2026\/04\/Guia-Instituciones-Financieras.png","type":"image\/png"}],"author":"Evertec Trends","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Evertec Trends","Est. reading time":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/#article","isPartOf":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/"},"author":{"name":"Evertec Trends","@id":"https:\/\/evertectrends.dev.creativetm.co\/#\/schema\/person\/94a5161388d983dfef2d19b764953c29"},"headline":"How to modernize a payments ecosystem without increasing complexity: A guide for financial institutions in LATAM","datePublished":"2026-04-13T14:40:46+00:00","dateModified":"2026-04-13T20:03:24+00:00","mainEntityOfPage":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/"},"wordCount":631,"publisher":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/#organization"},"image":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/#primaryimage"},"thumbnailUrl":"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2026\/04\/Guia-Instituciones-Financieras.png","keywords":["Financial Institutions","Payment Hubs"],"articleSection":["AI &amp; Big Data","Payments","Tech &amp; Trends"],"inLanguage":"en-US"},{"@type":"WebPage","@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/","url":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/","name":"Modernize Payment Ecosystem Without Complexity","isPartOf":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/#website"},"primaryImageOfPage":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/#primaryimage"},"image":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/#primaryimage"},"thumbnailUrl":"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2026\/04\/Guia-Instituciones-Financieras.png","datePublished":"2026-04-13T14:40:46+00:00","dateModified":"2026-04-13T20:03:24+00:00","description":"Learn how to modernize payment ecosystems in LATAM, reduce complexity, and improve efficiency, security, and scalability.","breadcrumb":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/#primaryimage","url":"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2026\/04\/Guia-Instituciones-Financieras.png","contentUrl":"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2026\/04\/Guia-Instituciones-Financieras.png","width":1920,"height":1080,"caption":"Aprende c\u00f3mo modernizar el ecosistema de pagos en LATAM, reducir la complejidad tecnol\u00f3gica y mejorar eficiencia, seguridad y escalabilidad."},{"@type":"BreadcrumbList","@id":"https:\/\/evertectrends.dev.creativetm.co\/en\/how-to-modernize-a-payments-ecosystem-without-increasing-complexity-a-guide-for-financial-institutions-in-latam\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/evertectrends.dev.creativetm.co\/pt-br\/"},{"@type":"ListItem","position":2,"name":"IA y Big Data","item":"https:\/\/evertectrends.dev.creativetm.co\/categoria\/ia-y-big-data\/"},{"@type":"ListItem","position":3,"name":"How to modernize a payments ecosystem without increasing complexity: A guide for financial institutions in LATAM"}]},{"@type":"WebSite","@id":"https:\/\/evertectrends.dev.creativetm.co\/#website","url":"https:\/\/evertectrends.dev.creativetm.co\/","name":"Evertec Trends","description":"As tend\u00eancias de tecnologia para inovar com estrat\u00e9gia","publisher":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/evertectrends.dev.creativetm.co\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Organization","@id":"https:\/\/evertectrends.dev.creativetm.co\/#organization","name":"Evertec Trends","url":"https:\/\/evertectrends.dev.creativetm.co\/","logo":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/evertectrends.dev.creativetm.co\/#\/schema\/logo\/image\/","url":"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2024\/06\/evertectrends-sq.png","contentUrl":"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2024\/06\/evertectrends-sq.png","width":416,"height":417,"caption":"Evertec Trends"},"image":{"@id":"https:\/\/evertectrends.dev.creativetm.co\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/evertectrends.dev.creativetm.co\/#\/schema\/person\/94a5161388d983dfef2d19b764953c29","name":"Evertec Trends","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/secure.gravatar.com\/avatar\/f46217c56c100deb166f67953efa3f81077701bca98a102e48544095d631803d?s=96&d=robohash&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/f46217c56c100deb166f67953efa3f81077701bca98a102e48544095d631803d?s=96&d=robohash&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/f46217c56c100deb166f67953efa3f81077701bca98a102e48544095d631803d?s=96&d=robohash&r=g","caption":"Evertec Trends"},"description":"Mais que um portal de conte\u00fados, um ponto de encontro para quem quer desvendar o setor financeiro.","sameAs":["https:\/\/www.instagram.com\/evertecinc","https:\/\/www.linkedin.com\/company\/evertec\/"],"url":"https:\/\/evertectrends.dev.creativetm.co\/en\/author\/evertectrends\/"}]}},"featured_image_url":"https:\/\/evertectrends.dev.creativetm.co\/wp-content\/uploads\/2026\/04\/Guia-Instituciones-Financieras.png","primary_category":"AI &amp; Big Data","_links":{"self":[{"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/posts\/75485","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/users\/9"}],"replies":[{"embeddable":true,"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/comments?post=75485"}],"version-history":[{"count":2,"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/posts\/75485\/revisions"}],"predecessor-version":[{"id":75704,"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/posts\/75485\/revisions\/75704"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/media\/75482"}],"wp:attachment":[{"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/media?parent=75485"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/categories?post=75485"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/evertectrends.dev.creativetm.co\/en\/wp-json\/wp\/v2\/tags?post=75485"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}