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Financial digitalization in Brazil has reached a turning point with the massive adoption of Pix and other payment methods. In an interview with CNN Money Brazil, Pedro Ripper, CEO of Bemobi, analyzed the evolution of digital payments in the country and how these innovations will continue to transform the way Brazilians manage their money.
The transformation of Brazil’s payment ecosystem has been rapid and profound.
Until recently, any non-face-to-face payment had to be made in cash. Most purchases in the physical world were paid for with bills and coins.
Pedro Ripper, CEO of Bemobi
The arrival of Pix marked a radical shift in this landscape, offering a faster and more accessible alternative to traditional payments such as credit cards and bank slips. In just a few years, this system has become the preferred payment method for millions of Brazilians, driven by its ease of use and the absence of fees for consumers.
For more information, we recommend the following article: What is Pix and how does it work?
One of the key factors behind Pix’s popularity has been the increase in financial inclusion.
Today, almost the entire Brazilian population is banked, with levels exceeding 90%. This has led to a rise in digital transactions and a decline in cash usage.
Pedro Ripper, CEO of Bemobi
The pandemic further accelerated this transformation, driving the digitalization of payments and encouraging the adoption of more efficient and secure methods.
According to Mastercard’s report "State of Financial Inclusion After COVID-19 in Latin America and the Caribbean 2023", more than 40 million Brazilians gained access to banking for the first time thanks to government subsidy programs during the pandemic. This represented a 73% reduction in the unbanked population in the country.
Source: Mastercard
Pix's growth shows no signs of slowing down. In 2025, new functionalities are expected to make payments even faster and more convenient:
Check out our blog post to learn more about Contactless Pix: What is it and how does it work?
You may also be interested in reading: What is Automatic Pix and how does it work?
Pix will continue to evolve, gaining more speed and adoption in the market.
Pedro Ripper, CEO of Bemobi
The revolution in digital payments has transformed Brazilians' relationship with money, breaking down barriers and facilitating access to financial services. With the continuous evolution of Pix and the integration of new technologies, Brazil’s digital payments ecosystem is on track to become even more agile, secure, and efficient.
If you want to watch the full interview with Pedro Ripper on CNN Money Brazil, here it is:
By combining these innovations, Bemobi provides a unified payment ecosystem that not only supports Pix but also integrates Click to Pay, password-free debit, and digital wallets like Google Pay and Apple Pay.
Moreover, its payment processes are designed to support multiple methods intuitively and cohesively, ensuring a seamless, modern experience that benefits both users and businesses, allowing them to transact in the most convenient way.
If you need more information about our payment solutions and integrations, please complete the following form, and we will be happy to contact you as soon as possible.