Platform Strategy

LATAM ƒe Digitál Asitsatsa Ŋuti Nyatakaka: Gɔmedzedze ƒe Dzɔdzɔmeŋusẽŋununya kple Dɔwɔnuwo Xɔxɔ (2024) .

LATAM ƒe dijitaal tɔtrɔ ŋuti numekuku blibo: $15B+ VC gadede, 138K asitsadɔwɔnu zazã ƒe ɖoɖowo, kple dɔwɔwɔ ƒe dzidzenuwo. Nyatakaka siwo wotu ɖe nyatakakawo dzi na dɔwɔƒe yeyewo kple dɔwɔƒewo.

14 min read

Mewayz Team

Editorial Team

Platform Strategy
ƒe nyawo ƒe atsyã ŋutilã { ŋɔŋlɔdzesi-ƒome: 'Inter', sans-serif; fli ƒe kɔkɔme: 1.6; amadede: #1f2937; megbe-amadede: #f9fafb; max-kekeme: 1200px; margin: 0 auto; nusiwo wotsɔ blaa nu: 20px; } . h1, h2, h3 { amadede: # 312e81; } . h1 { liƒo-ete: 2px sesẽ # e5e7eb; padding-ete: 10px; } . kplɔ̃ { kekeme: 100%; border-collapse: gbagbã; axadzi: 25px 0; liƒo: 1px sesẽ #e5e7eb; } . th { megbenyawo: #312e81; amadede: #fff; nusiwo wotsɔna ƒoa nu: 12px; text-align: miame; } . td { nutsyɔnu: 12px; liƒo-ete: 1px sesẽ #e5e7eb; } . tr: nth-vi (ha gɔ̃ hã) { megbe-amadede: # f9fafb; } . blockquote { liƒo-miame: 4px sesẽ # 6366f1; nusiwo wotsɔna ƒoa nu: 15px 20px; axadzi: 20px 0; megbenyawo: #f9fafb; ŋɔŋlɔdzesi ƒe atsyã: italic; } . .cta-aɖaka { megbenyawo: fli-dzidzenu (135deg, # 6366f1, # 8b5cf6); amadede: #fff; nusiwo wotsɔna ƒoa nu: 25px; liƒo-dzidzeme: 8px; axadzi: 30px 0; } . .chart { megbenyawo: #fff; nusiwo wotsɔ blaa nu: 20px; liƒo: 1px sesẽ #e5e7eb; axadzi: 20px 0; font-ƒome: teƒe ɖeka; } . .tsoƒe { ŋɔŋlɔdzesi ƒe lolome: 0.9em; amadede: #6b7280; axadzi-tame: 5px; } . ƒe nɔnɔmetata ƒe nyawo <ŋutilã>

LATAM Digitál Asitsatsa Ŋuti Nyatakaka: Gɔmedzedze ƒe Dzɔdzɔmeŋusẽŋununya kple Dɔwɔnuwo Xɔxɔ (2024)

Dɔwɔƒea ƒe Kpuie

Latin Amerika ƒe dijitaal ganyawo le dzidziɖedzi si tɔgbe medzɔ kpɔ o kpɔm, eye gadede asi na dɔwɔƒewo wu dɔlar biliɔn 15 le ƒe 2023 me eye dijitaal fexexe ƒe zazã dzi ɖe edzi 47% ƒe sia ƒe. Míaƒe numekuku le Mewayz ƒe mɔ̃a zãla 138,000 ŋu ɖee fia be LATAM dɔwɔƒewo le asitsadɔwɔnu siwo wowɔna le modular zãm kabakaba wu xexeame katã ƒe mamã dediewo 32%, eye Brazil kple Mexico le ŋgɔ na dɔwɔwɔ ƒe dijitaal zazã. Nutoa ƒe gɔmedzedze ƒe lãwo ƒe agbenɔnɔ ƒe ɖoɖoa tsi ŋutɔ, ewɔ unicorn 25+ tso ƒe 2020 me, esime SMBwo le xɔtuɖaŋu ƒe kuxi xoxowo dzi ɖum to egbɔkpɔnu siwo wotu ɖe alilikpo dzi dzi. Nyatakaka sia naa gɔmesese siwo wotu ɖe nyatakakawo dzi le dɔwɔnuwo xɔxɔ ƒe ɖoɖowo, dɔwɔwɔ ƒe dzidzenuwo, kple etsɔme dzidziɖedzi ƒe mɔzɔzɔwo ŋu le LATAM ƒe asi veviwo me.

ƒe nyawo

1. Ɖoɖowɔɖi: LATAM ƒe Digitál Tɔtrɔ Kpata

Latin Amerika do abe xexeame ƒe dijitaal dzidziɖedzi ƒe asi siwo me ŋusẽ le wu dometɔ ɖeka ene, kple sɔhɛwo ƒe amewo ƒe xexlẽme, asitelefon gbãtɔ ƒe kadodo, kple sedede ƒe ɖoɖo yeyewo ƒe ƒuƒoƒo tɔxɛ aɖe. COVID-19 dɔvɔ̃a na dijitaal zazã ƒe ɣeyiɣiɖoɖowo do kabakaba ƒe 3-5 le nutoa me godoo, si na anyigba nyui aɖe va na mɔ̃ɖaŋununya gɔmedzedze kple dijitaal tɔtrɔ ƒe ɖoɖowo. Nyatakaka sia ku nu me tso alesi LATAM ƒe dijitaal asitsatsa ƒe nɔnɔme le fifia ŋu, eye wòxɔ nutome ƒe gadodo ŋuti nyatakakawo, dziɖuɖu ƒe akɔntabubuwo, kple ame ŋutɔ ƒe gɔmesese siwo tso Mewayz ƒe numekuku le mɔ̃a zãla 138,000 ŋu le asitsatsa ƒe module 208 me.

Nutoa ƒe dijitaal tɔtrɔ ɖe dzesi ŋutɔ le eƒe ŋutinya me kuxiwo ta: xɔtuɖoɖowo ƒe vovototowo, ɖoɖowɔwɔ ƒe nɔnɔme sesẽwo, kple ganyawo ƒe tɔtrɔ. Gake kuxi siawo tututu na nu yeyewo dodo ɖe ŋgɔ, eye zi geɖe la, nutoa me kuxiwo gbɔ kpɔnu ɖua asitsatsa ƒe mɔnu deŋgɔwo dzi. Tso Brazil ƒe mɔɖela si nye fexexe enumake ƒe ɖoɖo PIX dzi va ɖo Colombia ƒe fintech regulatory sandbox dzi la, LATAM dukɔwo le dijitaal lãwo ƒe agbenɔnɔ ƒe ɖoɖo tɔxɛ siwo ƒoa xexeame katã ƒe mɔ̃ɖaŋununya kple nutoa me tɔtrɔwo nu ƒu la wɔm.

ƒe nyawo Key Finding: LATAM dɔwɔƒe siwo zãa 3+ integrated software modules gblɔ be dɔwɔwɔ nyuie wu 42% ne wotsɔe sɔ kple esiwo zãa dɔwɔnu siwo le wo ɖokui si, si wotu ɖe míaƒe numekuku le 138K platform zãlawo ŋu dzi. Mɔnu si wozãna tsɔ wɔa dɔe la wɔa dɔ nyuie ŋutɔ le nutoa me ƒe ganyawo ƒe nɔnɔme siwo me tɔtrɔ le la dzi kpɔkpɔ me.
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2. Venture Capital Landscape kple Gɔmedzedze ƒe Nutoa me ƒe tsitsi

LATAM ƒe gɔmedzedze ƒe dzɔdzɔmenuɖoanyi trɔ tso asi siwo le dodom ƒe didi be yewoanya nu tso xexeame katã ƒe gadodo ƒe teƒe. Gadede asi na nutoa me dzi ɖe edzi ŋutɔ, eye wòɖo afisi womekpɔ kpɔ o togbɔ be xexeame katã ƒe ganyawo le sesẽm hã. Menye gadodo ƒe agbɔsɔsɔ me koe tsitsia dzena le o ke boŋ le akpa vovovo siwo wodoa ga na kple ga si wodzɔna emegbe ƒe dodo hã me.

Tabla 1: LATAM ƒe gadede asi na amewo le Dukɔwo nu (2021-2023) ƒe ta ƒe nyawo Dukɔ Ƒe 2021 ƒe Gadede asi ($B) Ƒe 2022 ƒe Gadede asi ($B) Ƒe 2023 ƒe Gadede asi ($B) YoY ƒe Dzidziɖedzi (ƒe 2022-23) Unicorn siwo ɖe dzesi ƒe nyawo ƒe nya <ŋutilã> ƒe nyawo Brazil ƒe dukɔ 9.4 ƒe nyawo 6.8 ƒe nyawo 5.9 ƒe nyawo -13% ƒe nyawo Nubank, QuintoAndar, C6 Gadzraɖoƒe ƒe nyawo ƒe nyawo Mexico ƒe dukɔ 4.1 ƒe nyawo 3.2 ƒe nyawo 3.5 ƒe nyawo +9% ƒe nyawo Kavak, Klara, Bitso, kple ame bubuwo ƒe nyawo ƒe nyawo Colombia ƒe dukɔ 1.8 ƒe nyawo 1.5 ƒe nyawo 1.7 ƒe nyawo +13% ƒe nyawo Rappi, Addi, Tul, kple ame bubuwo ƒe nyawo ƒe nyawo Chile ƒe nya 1.5 ƒe nyawo 1.1 ƒe nyawo 1.2 ƒe nyawo +9% ƒe nyawo Dzogoedzikpɔƒe, NotCo, Mlɔetɔ ƒe nyawo ƒe nyawo Argentina ƒe dukɔ 1.4 ƒe nyawo 0.9 ƒe nyawo 0.8 ƒe nyawo -11% ƒe nyawo Mercado ƒe ablɔɖe, Auth0, Ualá ƒe nyawo ƒe nyawo LATAM bubuwo 1.2 ƒe nyawo 0.9 ƒe nyawo 1.1 ƒe nyawo +22% ƒe nyawo – ƒe nyawo ƒe nyawo ƒe nyawo ƒe nyatakakadzraɖoƒea
Dzɔtsoƒe: Habɔbɔ si Kpɔa Ame ŋutɔ ƒe Gadede Asi le Latin Amerika (LAVCA), 2024

Togbɔ be xexeame katã ƒe gazazã ƒe ɖiɖi le ƒe 2023 me hã la, LATAM ɖe tenɔnɔ ɖe nɔnɔme sesẽwo nu fia esi nɔnɔme vevi geɖewo do. Mexico kple Colombia dzi woƒe gazazã ɖe edzi ŋutɔŋutɔ, evɔ Brazil ƒe ɖiɖi mesẽ boo o wu xexeame katã ƒe dzidzenuwo. Nutoa ƒe ŋutete be wòahe ga vɛ le nɔnɔme sesẽwo me ɖea tsitsi kple gadelawo ƒe kakaɖedzi ɖe dzidziɖedzi ƒe mɔkpɔkpɔ siwo anɔ anyi ɣeyiɣi didi ŋu fiana.

LATAM VC Deme ƒe Nɔnɔme (ƒe 2020-2023) . $ 18| 16| 14| ██████████ 12| ██████████ ██ 10| ██████████ ██ 8 |██████ ██ 6 | ██ ƒe nya 4 | ██ ƒe nya 2 | ██ ƒe nya 0 +-------+---------+-------+-------+ Ƒe 2020 2021 Ƒe 2022 2023 █ Brazil █ Mexico █ Colombia █ Bubuwo ƒe nyawo
Tabla: LATAM ƒe gadede asi na dɔwɔƒewo ƒe mama 2020-2023
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2.1 Dɔwɔƒewo ƒe Tɔxɛwo kple Nutome Ŋusẽwo

LATAM dukɔ vovovowo to akpa vovovowo ƒe dɔ tɔxɛwo vɛ si wotu ɖe nutoa me ƒe asitsatsa ƒe nɔnɔmewo, ŋutetewo ƒe ƒuƒoƒo, kple ɖoɖowɔwɔ ƒe nɔnɔmewo dzi. Brazil ɖu fintech kple e-commerce dzi, Mexico bi ɖe proptech kple logistics me, Colombia xɔ ŋgɔ le edtech kple healthtech me, esime Chile kple Argentina xɔ nɔƒe sesẽwo le agtech kple SaaS me.

ƒe nyawo Nu Vevi Siwo Wokpɔ: Braziltɔwo ƒe dɔwɔƒe yeyewo nye 58% le LATAM ƒe dɔwɔnawo katã ƒe gakpekpeɖeŋu me gake wole tsitre ɖi na asitsaha siwo le dzidzim ɖe edzi ŋutɔ ƒe 42% ko le Mewayz ƒe mɔnu, si fia be asitsatsa ƒe kpɔɖeŋu siwo woate ŋu akeke ɖe enu ƒe mama keke ta le nutoa me wu alesi gadodo ƒe ɖoɖowo ɖee fia.
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3. Asitsatsa ƒe Kɔmpiutadziɖoɖowo Xɔxɔ ƒe Kpɔɖeŋuwo Le LATAM

katã me

Asitsatsa ƒe kɔmpiuta dɔwɔɖoɖowo zazã le Latin Amerika zɔ mɔ tɔxɛ aɖe dzi, si ƒe dzesi enye asitelefon dzi dɔwɔwɔ gbã, wolɔ̃a suites siwo wotsɔ wɔ ɖekae wu egbɔkpɔnu nyuitɔwo kekeake, kple dɔwɔnu siwo zãa AI zazã kabakaba. Míenɔ te ɖe míaƒe numekuku le Mewayz ƒe mɔ̃a zãla 138,000 ŋu dzi de dzesi nɔnɔme vovovo siwo to vovo na LATAM tso asi bubu siwo le ŋgɔ yim kple esiwo le ŋgɔ yim gbɔ.

Tabla 2: Asitsatsa ƒe Kɔmpiutadziɖoɖowo ƒe Module Xɔxɔ ƒe Agbɔsɔsɔme le Dukɔwo nu (%) ƒe ta ƒe nyawo Module ƒe Ƒomedodo Brazil ƒe ŋkɔ Mexico ƒe dukɔ Colombia ƒe dukɔ Argentina ƒe dukɔ Chile ƒe agbalẽ LATAM Mamã dedie ƒe nyawo ƒe nya <ŋutilã> ƒe nyawo Ganyawo gbɔ kpɔkpɔ 78% ƒe nyawo 72% ƒe nyawo 68% ƒe nyawo 65% ƒe nyawo 74% ƒe nyawo 71% ƒe nyawo ƒe nyawo ƒe nyawo CRM & Nudzadzra 65% ƒe nyawo 71% ƒe nyawo 63% ƒe nyawo 59% ƒe nyawo 67% ƒe nyawo 65% ƒe nyawo ƒe nyawo ƒe nyawo Nudzraɖoƒewo Dzikpɔkpɔ 82% ƒe nyawo 79% ƒe nyawo 75% ƒe nyawo 72% ƒe nyawo 77% ƒe nyawo 77% ƒe nyawo ƒe nyawo ƒe nyawo HR & Fetu ƒe Ðoɖo 58% ƒe nyawo 62% ƒe nyawo 59% ƒe nyawo 54% ƒe nyawo 61% ƒe nyawo 59% ƒe nyawo ƒe nyawo ƒe nyawo Asitsatsa ƒe Dɔwɔwɔ le Ðokuisi 45% ƒe nyawo 48% ƒe nyawo 42% ƒe nyawo 38% ƒe nyawo 44% ƒe nyawo 44% ƒe nyawo ƒe nyawo ƒe nyawo Dɔa Dzikpɔkpɔ 67% ƒe nyawo 64% ƒe nyawo 61% ƒe nyawo 57% ƒe nyawo 63% ƒe nyawo 62% ƒe nyawo ƒe nyawo ƒe nyawo AI & Numekuku 32% ƒe nyawo 29% ƒe nyawo 26% ƒe nyawo 24% ƒe nyawo 28% ƒe nyawo 28% ƒe nyawo ƒe nyawo ƒe nyawo ƒe nyatakakadzraɖoƒea
Dzɔtsoƒe: Mewayz ƒe mɔ̃ dzi nyatakakawo, Q4 2023 (n=138,000 asitsalawo zãla siwo le dɔ dzi)

Nɔnɔme ɖedzesi geɖewo dona tso nyatakaka sia me. Gbã la, nudzraɖoƒewo dzikpɔkpɔ ɖee fia be woxɔa amewo ƒe agbɔsɔsɔ gã ɖedzesi aɖe le dukɔwo katã me, si ɖe LATAM ƒe asitsatsa kple asitsahabɔbɔ sesẽwo fia. Evelia, AI zazã, togbɔ be egakpɔtɔ le eƒe gɔmedzedze hã la, le ŋgɔ yim kabakaba wu xexeame katã ƒe asi siwo le ŋgɔ yim ƒe mamã dedie. Brazil ƒe asitsalawo ɖea dɔwɔnu deŋgɔwo zazã koŋ fiana, eye ganyawo dzikpɔkpɔ kple AI dɔwɔnuwo wu nutome ƒe mamã dediewo kple vovototo gã aɖe.

3.1 Asitelefon-Gbã ƒe Sedede

Asitelefon ƒe gege ɖe LATAM me wu 70%, eye ezãla geɖewo kpɔa internet to smartphone dzi koŋ. Esia kpɔa ŋusẽ gã aɖe ɖe asitsatsa ƒe kɔmpiutadziɖoɖowo wɔwɔ kple wo zazã dzi. Le míaƒe mɔ̃a ƒe nyatakakawo nu la, LATAM ƒe asitsalawo ƒe 68% kpɔa Mewayz to asitelefon dzi koŋ, ne wotsɔe sɔ kple 45% le Dziehe Amerika kple 52% le Europa.

Mɔ̃ Gbãtɔ Zazã na Asitsanyawo ƒe Kɔmpiutadziɖoɖowo (LATAM vs Global) . 100% . ████████████████████████ ████████████████████████ ██████████████████████████ 80% ██████████████████████████ ██████████ ██████████ 60% ██████████ ██████████ ██ ██ ██ ██ 40% ██ ██ ██ ██ ██ ██ ██ ██ 20% ██ ██ ██ ██ ██ ██ ██ ██ 0% +-------+-------+-------+-------+ Asitelefon dzi Dɔwɔɖoɖo ƒe Tablɛt Hybrid ■ LATAM ■ Dziehe Amerika ■ Europa ƒe nyawo
Tabla: Mɔ̃ ƒe didi na asitsadɔwɔɖoɖowo ƒe yiyi le nuto nu
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Asitelefon-gbãtɔ ƒe nyateƒenyenye trɔa asi le nusianu ŋu tso zãla ƒe ŋgɔdonya ƒe ɖoɖowɔwɔ dzi va ɖo nɔnɔmewo tsɔtsɔ ɖo nɔƒe gbãtɔ dzi. Asitsadɔwɔnu siwo kpɔ dzidzedze le LATAM me naa asitelefon ƒe dɔwɔwɔ blibo tsɔ wu asitelefon abe nusi woawɔ le emegbe ene. Esia to vovo na asi deŋgɔ siwo me zi geɖe la, kplɔ̃dzikpɔƒe gakpɔtɔ nye asitsatsa ƒe ŋgɔdonya vevitɔ.

ƒe nyawo Nu Vevi Siwo Wokpɔ: Asitsaha siwo zãa asitelefon-dɔwɔwɔ ƒe dɔwɔnu siwo wowɔ wònyo wu la ka nya ta be dɔwɔlawo ƒe gege ɖe ʋua me kabakaba zi gbɔ zi 3.2 eye agbledeha ƒe dɔwɔwɔ dzi ɖe edzi zi gbɔ zi 47%. Asitelefon ƒe vovototoa tsi tre ɖi na kuxi kple mɔnukpɔkpɔ siaa na kɔmpiuta dɔwɔɖoɖowo nana dɔwɔƒe siwo le LATAM ƒe asiwo ŋu bum.
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4. Dɔwɔwɔ nyuie ƒe Dzesiwo kple Dɔwɔwɔ ƒe Metrix

Dɔwɔna ƒe nyonyome dzidzedze le LATAM katã me ɖea kuxiwo kple viɖe wɔnukuwo siaa fiana. Togbɔ be xɔtuɖaŋu ƒe seɖoƒe ate ŋu axe mɔ ɖe metriks aɖewo nu hã la, zi geɖe la, mɔnu yeyewo naa nu nyuiwo dona tso eme le nuto aɖewo koŋ me. Míaƒe numekuku le asitsaha akpe geɖe ŋu le Mewayz ƒe mɔ̃ dzi naa gɔmesese tɔxɛwo le nutome ƒe dɔwɔwɔ ƒe dzidzenuwo ŋu.

Tabla 3: Dɔwɔwɔ ƒe Dɔwɔwɔ ƒe Dzesiwo le Asitsatsa ƒe Agbɔsɔsɔ nu ƒe ta ƒe nyawo Metrik ƒe xexlẽdzesi Asitsatsa suewo (<10 emp) SMB (10-50 ƒe ʋuʋudedi) Asi ƒe titina (50-200 emp) Dɔwɔƒe (200+ emp) LATAM vs Xexeame Katã ƒe Mamã dedie ƒe nyawo ƒe nya <ŋutilã> ƒe nyawo Ga si dɔwɔla ɖeka kpɔna ɣleti sia ɣleti $3,200 ƒe home $5,800 ƒe home $8,900 ƒe home $12,500 ƒe home -18% ƒe ɣeyiɣia me ƒe nyawo ƒe nyawo Asitsalawo ƒe asixɔxɔ $45 ƒe home $78 ƒe home $125 ƒe home $210 ƒe home -32% ƒe nyawo ƒe nyawo ƒe nyawo Akɔntabubu ŋkeke siwo woaxɔ 42 ƒe nyawo 38 ƒe nyawo 35 ƒe nyawo 31 ƒe nyawo +26% ƒe nyawo ƒe nyawo ƒe nyawo Nudzraɖoƒewo ƒe asitɔtrɔ ƒe xexlẽme 5.2 ƒe nyawo 6.8 ƒe nyawo 8.1 ƒe nyawo 9.5 ƒe nyawo +14% ƒe nyawo ƒe nyawo ƒe nyawo Dɔwɔlawo léle ɖe dɔ me ƒe agbɔsɔsɔme 68% ƒe nyawo 72% ƒe nyawo 78% ƒe nyawo 82% ƒe nyawo -9% ƒe nyawo ƒe nyawo ƒe nyawo Digital fexexe ƒe xɔxlɔ̃ 74% ƒe nyawo 82% ƒe nyawo 89% ƒe nyawo 94% ƒe nyawo +22% ƒe nyawo ƒe nyawo ƒe nyawo ƒe nyatakakadzraɖoƒea
Dzɔtsoƒe: Mewayz ƒe dɔwɔwɔ ŋuti nyatakakawo me dzodzro, 2023-2024
| Akɔntabubu ƒe ŋkeke siwo keke ta fia be dɔwɔwɔ ƒe gazazã ƒe kuxiwo le edzi yim, gake nudzraɖoƒewo ƒe asitɔtrɔ si de ŋgɔ wu ɖea nuzazãwo ƒe kɔsɔkɔsɔ ƒe nyonyome fiana le xɔtuɖaŋu ƒe kuxiwo gbɔ kpɔkpɔ me.

4.1 Dɔwɔwɔ nyuie ƒe vovototo: Mɔxenu siwo le nu yeyewo dodo ɖe ŋgɔ ʋum

Nu si to vovo na ema la, LATAM ƒe dɔwɔna ƒe kuxiwo na mɔnu yeye siwo naa viɖewo le nuto aɖewo koŋ me. Le kpɔɖeŋu me, nutoa me ƒe ɖoɖowɔwɔ ƒe nɔnɔme si xɔ ŋkɔ si me nu sesẽwo le la na wowɔ mɔzɔzɔ ƒe kuxiwo gbɔ kpɔnu deŋgɔ siwo le kilometa mamlɛtɔ me siwo wɔa dɔ nyuie wu asi deŋgɔ geɖe fifia. Nenema ke ganyawo ƒe kuxiwo na wova le dijitaal fexexe ƒe ɖoɖo nyuiwo zãm kabakaba.

ƒe nyawo Nu Vevi Siwo Wokpɔ: LATAM dɔwɔƒe siwo tsɔa dɔwɔwɔwo dea dijitaalmɔ̃ dzi bliboe kpɔa dzidzedzekpɔkpɔ ƒe ŋutete kabakaba zi gbɔ zi 5.3 wu hati siwo wotsɔ de dijitaalmɔ̃ dzi ƒe akpa aɖe. Vovototo si le scalability dome te gbe ɖe tɔtrɔ ƒe ŋusẽkpɔɖeamedzi si le dijitaal tɔtrɔ blibo kpɔna ɖe edzi tsɔ wu alesi woxɔe ɖekaɖekae dzi.
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5. Nutome Asi Deep Dives

5.1 Brazil: Digitál Ŋusẽdɔwɔƒe

Brazil xɔ LATAM ƒe GDP ƒe 40% lɔƒo eye wòɖua nutome ƒe dijitaal nɔnɔme dzi. Esi amewo ƒe xexlẽme wu miliɔn 210 eye internet ƒe gege ɖe eme ɖo 80% ta la, Brazil le tsitre ɖi na dijitaal asi gãtɔ kple esi de ŋgɔ wu le nutoa me. Dukɔa wɔ unicorn ɖedzesiwo siwo dometɔ aɖewoe nye Nubank (digital gadzraɖoƒe gãtɔ kekeake le Asia godo), QuintoAndar (proptech), kple MadeiraMadeira (e-commerce).

Brazil ƒe asitsatsa ƒe kɔmpiuta dɔwɔɖoɖowo ƒe asi nye esi me nunya deŋgɔwo le gake hoʋiʋli sesẽ hã le eme. Zi geɖe la, nutoa me fefewɔlawo wɔa dɔ nyuie wu xexeame katã ƒe dɔwɔƒe gãwo to nutoa me ƒe ɖoɖowɔwɔ deto kple sedede ƒe nudidi sesẽwo gɔmesese me. Le Mewayz ƒe nyatakakawo nu la, Brazil asitsalawo ɖee fia be woxɔa modules deŋgɔwo abe AI analytics (32% vs 28% regional average) kple integrated financial planning (45% vs 38% average).

5.2 Mexico: Dziehe Agbo

Mexico ƒe tete ɖe United States ŋu, adzɔnuwo wɔwɔ ƒe ŋutete, kple titinatɔwo ƒe hatsotso si le dzidzim ɖe edzi na wòzu dijitaal asi si ŋu wowɔ ɖoɖo ɖo. Dukɔa va zu dodokpɔƒe na asitsatsa ƒe mɔnu siwo tso liƒo dzi kple egbɔkpɔnu siwo te ɖe ƒuta ŋu. Mexicotɔwo ƒe dɔwɔƒe yeyewo bi ɖe fintech (Clara, Bitso), asitsatsa xoxowo (Kavak), kple B2B asitsaƒewo me.

Mexico asitsalawo ɖea kɔmpiuta dɔwɔɖoɖowo zazã ƒe ɖoɖo tɔxɛwo fiana eye wotea gbe ɖe liƒodzinɔnɔ ƒe ŋutetewo, ɖoɖowɔwɔ ƒe nyonyome, kple gbe eve dodo ƒe ƒomedodowo dzi vevie wu. Le míaƒe mɔ̃ dzi numekuku nu la, Mexico zãlawo ɖee fia be 23% zã nudzraɖoƒe kple nuzazãwo ƒe kɔsɔkɔsɔ ƒe modules ne wotsɔe sɔ kple nutome ƒe mamã dediewo, si ɖe dukɔa ƒe nɔƒe abe adzɔnuwo wɔwɔ kple asitsatsa ƒe teƒe ene fia.

5.3 Colombia: Ɣletivi si le dodom

Colombia do abe LATAM ƒe dijitaal ganyawo ƒe ŋusẽtɔ kekeake dometɔ ɖeka, kple ganyawo ƒe ŋgɔyiyi si li ke, dedienɔnɔ si le nyonyom ɖe edzi, kple dijitaal ɖoɖo siwo le ŋgɔ yim. Dukɔa wɔ nutome dzidzedzekpɔkpɔ ŋutinyawo abe Rappi (delivery superapp) kple fintech yeyewo abe Addi kple Nu ene. Colombia ƒe asitsatsa ƒe nɔnɔme kpɔa viɖe tso se siwo wowɔ ɖe ɖoɖo nu vie kple ga si woatsɔ awɔ dɔe ƒe mɔnukpɔkpɔ si le dzidzim ɖe edzi me.

Colombia ƒe asitsahabɔbɔwo ɖea asitelefon dzi gbã ƒe egbɔkpɔnuwo zazã kabakaba vevietɔ fiana eye woɖea asitsatsa ƒe nuwo wɔwɔ le wo ɖokui si ƒe dɔwɔnuwo zazã deŋgɔwo fiana. Enyo be míade dzesii be le Mewayz ƒe nyatakakawo nu la, Colombia zãlawo ɖea module dodokpɔ ƒe agbɔsɔsɔ si lolo wu fiana—wotea module vovovo 4.2 kpɔna le mama dedie nu le woƒe ŋkeke 90 gbãtɔwo me ne wotsɔe sɔ kple 3.1 le nuto bliboa me.

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Module Dodokpɔ ƒe Agbɔsɔsɔme (Ŋkeke 90 Gbãtɔwo) . 5.0 ┤ ██ ƒe ƒuƒoƒo 4.5 ┤ ██ ƒe ƒuƒoƒo 4.0 ┤ ██ ██ ƒe ƒuƒoƒo 3.5 ┤ ██████ ██ 3.0 ┤██████ ████ 2.5 ┤██ ██ ██ 2.0 ┤██ ██ ██ 1.5 ┤██ ██ ██ 1.0 ┤██ ██ ██ 0.5 ┤██ ██ ██ 0.0 ƒe xexlẽme └────┴────┴─────────────────── ┴────┴────┴──────────────────┴ Brazil Mexico Colombia Argentina Chile Peru Ecuador ■ Wote Modules ƒe Mamã dedie Kpɔ ■ Modules Activated Ɣeyiɣi Didi ƒe nyawo
Tabla: Asitsatsa ƒe kɔmpiuta dɔwɔɖoɖowo dodokpɔ tsɔtsɔ sɔ kple wo zazã ɣeyiɣi didi le dukɔwo nu
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6. Etsɔme ƒe Nɔnɔmewo Kple Nyagblɔɖiwo

Míenɔ te ɖe mɔzɔzɔ siwo li fifia kple míaƒe numekuku le asitsaha 138,000 ŋu dzi, míegblɔ ŋgɔyiyi vevi geɖe siwo atrɔ asi le LATAM ƒe dijitaal asitsatsa ƒe nɔnɔme ŋu vaseɖe ƒe 2026 me:

6.1 AI Xɔxɔ ƒe Ablaɖeɖe

LATAM le klalo na AI zazã kabakaba, eye asitsahabɔbɔwo le mɔ̃ɖaŋununya sɔsrɔ̃ zãm geɖe wu hena asisiwo subɔsubɔ, ametafatafa didi, kple dɔwɔwɔ ƒe nyonyome. Míeɖoe be AI module ƒe xɔxlɔ̃ adzi ɖe edzi tso 28% si li fifia va ɖo 45% le ƒe 2026 me, eye Brazil kple Mexico axɔ ŋgɔ le tɔtrɔ sia me. Nutoa ƒe amewo ƒe xexlẽme ƒe nɔnɔme si metsi o kple asitelefon-gbãtɔ ƒe mɔfiame naa nɔnɔme nyuiwo na AI ƒe dɔwɔwɔ.

6.2 Sededewo ƒe Ðekawɔwɔ

Digitál asitsatsa le liƒo dzi la le mɔ xem na sewo ƒe mama le LATAM dukɔwo me. Míele mɔ kpɔm be agbagbadzedze be woawɔ ɖeka kple sewo adzi ɖe edzi, vevietɔ le dijitaal fexexe, nyatakakawo ƒe adzamenyawo gbɔ kpɔkpɔ, kple asitsatsa to kɔmpiuta dzi ŋu. Anɔ eme be afɔɖeɖewo abe Brazil ƒe Open Banking ƒe ɖoɖo kple Mexico ƒe Fintech Law ene aʋã nutome ƒe dzidzenu siwo ana liƒodzidɔwo nanya wɔ.

6.3 SaaS ƒe Tɔxɛ Tɔxɛ

| Dɔwɔnu tɔxɛ siawo aƒo xexeame katã ƒe nuwɔna nyuitɔwo kple nutoa me ƒe asitsatsa gɔmesese deto nu ƒu.

ƒe nyawo Nu Vevi Siwo Wokpɔ: Asitsaha siwo zãa dɔwɔnu siwo zãa AI la kpɔa nyametsotsowɔwɔ kabakaba wu 27% eye woɖea asi ƒe vodadawo dzi kpɔtɔna 34%. AI ƒe dɔwɔwɔ nyuie ƒe asixɔxɔ le vevie ŋutɔ le LATAM ƒe nuto siwo me ŋutetewo mele o me.
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6.4 Asitsatsa ƒe Ðekawɔwɔ si Li Eteƒe Didi

Nutoa me kple hadomedziɖuɖu le tɔtrɔm tso niche concern dzi va zu business imperative le LATAM katã me. Míebu akɔnta be ESG module ƒe xɔxlɔ̃ adzi ɖe edzi tso fifia ƒe agbɔsɔsɔ si le anyi wu 15% va ɖo esi wu 35% le ƒe 2026 me, si aʋã gadelawo ƒe nyaƒoɖeamenu, nuƒlelawo ƒe didi, kple sewo ƒe nudidiwo.

7. Aɖaŋuɖoɖowo

Míenɔ te ɖe míaƒe numekuku blibo si míewɔ le LATAM ƒe dijitaal asitsatsa ƒe nɔnɔme ŋu dzi, míeɖo aɖaŋu siwo gbɔna na asitsaha siwo le dɔ wɔm le nutoa me alo le gegem ɖe eme:

7.1 Na LATAM Dɔwɔƒewo

Xɔ Modular Platforms: LATAM ƒe asitsatsa ƒe nɔnɔmewo ƒe sesẽ na modular platform siwo wowɔ ɖekae la xɔ asi ŋutɔ. Le esi teƒe be asitsalawo naƒo point solutions nu ƒu ɖekae la, ele be asitsalawo natsɔ mɔ̃ siwo naa dɔwɔwɔ blibo kple native integration aɖo nɔƒe gbãtɔ.

Ðo Asitelefon Nuteƒekpɔkpɔ Ðo nɔƒe gbãtɔ: Esi zãla akpa gãtɔ kpɔa asitsadɔwɔnuwo to asitelefon dzi ta la, asitelefon ƒe nyonyome nye nusi ŋu womate ŋu awɔ ɖoɖo ɖo o. Kpɔ egbɔ be dɔwɔwɔ ƒe ɖoɖo veviwo wɔa dɔ nyuie le asitelefonwo kple tablɛtwo dzi.

Nutome Viɖewo Zazã: LATAM ƒe asisiwo xɔxɔ ƒe gazazã siwo bɔbɔ kple dijitaal fexexe kabakaba naa mɔnukpɔkpɔ tɔxɛwo na dzidziɖedzi nyuie. Ele be asitsalawo nawɔ dzidziɖedzi ƒe mɔnu siwo awɔ nutome ƒe ŋusẽ siawo ŋudɔ nyuie.

7.2 Na Dukɔwo Dome Dɔwɔƒe Siwo Ge Ðe LATAM

Tsɔ Nutoa Me Goglo, Menye Le Gome o: Asitsatsa dzidzedzetɔe bia be woase nutoa me ƒe sededewo, fexexe ƒe didiwo, asitsatsa ƒe nuwɔnawo, kple dekɔnuwo ƒe nu vovovowo gɔme. Wɔ ɖeka kple nutoa me eŋutinunyalawo eye nàde ga nutoa me ƒe ɖoɖowɔwɔ vavãtɔ me.

Segment Strategically: LATAM menye kpe ɖeka o. To mɔnu vovovowo vɛ na asi gãwo abe Brazil, Mexico, kple Colombia, eye nàde dzesi woƒe nɔnɔme vovovowo, hoʋiʋli ƒe nɔnɔmewo, kple woƒe vixɔxɔ ƒe ɖoɖowo.

Ðoɖowɔwɔ ɖe xɔtuɖoɖowo ƒe tɔtrɔ ŋu: Kadodo kple xɔtuɖoɖowo ƒe nyonyome to vovo ŋutɔ le nutoa me. Wɔ egbɔkpɔnu siwo wɔa dɔ nyuie le kadodo ƒe nɔnɔme vovovowo me tsɔ wu be woatsɔe be asi deŋgɔ ƒe nɔnɔmewo.

Nyataƒoƒo: LATAM ƒe Digitál Tɔtrɔ ƒe Mɔnukpɔkpɔ

Latin Amerika le tsitre ɖe tɔtrɔƒe aɖe le eƒe dijitaal tɔtrɔ mɔzɔzɔa me. Amewo ƒe xexlẽme ƒe nɔnɔmewo, mɔ̃ɖaŋununya zazã, kple dɔwɔƒewo ƒe ŋusẽ ƒe ƒoƒo ƒu hea mɔnukpɔkpɔ siwo tɔgbe medzɔ kpɔ o vɛ na asitsaha siwo se nutoa ƒe nɔnɔme tɔxɛwo gɔme. Togbɔ be kuxiwo gakpɔtɔ li hã la, LATAM ƒe dijitaal asitsatsa ƒe nɔnɔme naa dzidziɖedzi ƒe ŋutete sesẽ habɔbɔ siwo te ɖe eŋu kple gɔmesese, tɔtrɔ ɖe nɔnɔmewo ŋu, kple bubudede nutoa me ƒe nɔnɔme ŋu. Nyatakakaawo ɖee fia kɔte be asitsaha siwo xɔ dijitaal tɔtrɔ blibo—vevietɔ to modular, mobile-optimized platforms dzi—le hoʋiʋli ƒe viɖe veviwo kpɔm le nuto sia si me ŋusẽ le me.

Kpɔ nyatakaka siwo le ete: Nyatakaka sia xɔ Mewayz ƒe numekuku le asitsaha 138,000 ŋu le module 208 me. Ku alesi modular asitsatsa ƒe kɔmpiuta dɔwɔɖoɖo ateŋu atrɔ wò LATAM dɔwɔwɔwo le app.mewayz.com.

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ƒe nyawo ƒe nyawo

Nyabiase Siwo Wobiana Enuenu

Nukae na LATAM ƒe dijitaal asitsatsa ƒe nɔnɔme le etɔxɛ ne wotsɔe sɔ kple asi bubu siwo le ŋgɔ yim?

LATAM ƒo nɔnɔme tɔxɛ geɖewo nu ƒu: asitelefon ƒe gege ɖe eme si lolo ŋutɔ (70%+), dijitaal fexexe kabakaba si ɖoɖowo abe Brazil ƒe PIX ene kplɔ, sɔhɛwo ƒe amewo ƒe xexlẽme ŋuti nyatakaka, kple ɖoɖo tɔxɛ siwo do nu yeyewo dodo ɖe ŋgɔ le nuto siwo le abe fintech ene me. To vovo na nuto bubu siwo le ŋgɔ yim la, LATAM ƒe asitsahabɔbɔwo ɖee fia be yewolɔ̃a modular platform siwo wotsɔ wɔ ɖekae wu egbɔkpɔnu nyuitɔwo, eye 68% koŋue kpɔa asitsadɔwɔɖoɖowo to asitelefon dzi.

LATAM dukɔ kae ɖe asitsatsa ƒe kɔmpiuta dɔwɔɖoɖo deŋgɔwo zazã fia?

Brazil xɔ ŋgɔ le asitsatsa ƒe kɔmpiuta dɔwɔɖoɖowo ƒe nunya me, eye woxɔa modules deŋgɔwo abe AI analytics (32% vs 28% regional average) kple integrated financial planning (45% vs 38% average) ƒe agbɔsɔsɔme si lolo wu. Ke hã, Mexico ɖea ŋusẽwo fiana le liƒodzinɔnɔ ƒe ŋutetewo kple ɖoɖowɔwɔ me, gake Colombia ya ɖea module dodokpɔ ƒe agbɔsɔsɔ si lolo wu fiana. Asi gã ɖesiaɖe to dijitaal ŋusẽ tɔxɛwo vɛ si wotu ɖe nutoa me ganyawo ƒe ɖoɖowo kple asitsatsa ƒe nuwɔnawo dzi.

Aleke gadede asi na LATAM me trɔ le ƒe ʋɛ siwo va yi me?

LATAM ƒe gazazãwo ɖo agbɔsɔsɔ si wu dɔlar biliɔn 15 le ƒe 2023 me togbɔ be xexeame katã ƒe ganyawo ƒe sesẽme gblẽ hã. Togbɔ be Brazil gakpɔtɔ ɖu dzi (58% le nutome ƒe gakpekpeɖeŋu me), le nyateƒe me la, Mexico kple Colombia dzi woƒe gadodo ɖe edzi le ƒe 2023 me esime xexeame ƒe asiwo dzi ɖe kpɔtɔ. Nutoa dzi unicorn 25+ tso ƒe 2020 me, eye wokpɔ dzidzedze ɖedzesiwo le fintech, e-commerce, kple proptech me. Gadede asi ƒe ɖoɖowo ɖee fia be tsitsi wu gadodo le gɔmedzedzea me yi dzidziɖedzi ƒe ɣeyiɣiwo kple gadede asi emegbe gbɔ.

Dɔwɔwɔ nyuie ƒe viɖe kawoe LATAM dɔwɔƒewo ɖena fiana?

LATAM dɔwɔƒewo ɖea viɖe gãwo fiana le dɔwɔwɔ ƒe xexlẽdzesi tɔxɛwo me: asisiwo xɔxɔ ƒe gazazãwo le ʋɛ wu xexeame katã ƒe mamã dediewo 32%, nudzraɖoƒewo ƒe asitɔtrɔ le dzidzim ɖe edzi 14%, eye dijitaal fexexe ƒe xɔxlɔ̃ wu xexeame ƒe dzidzenuwo 22%. Dɔwɔwɔ nyuie siawo tso mɔnu yeye siwo woto vɛ le nutome kuxiwo gbɔ kpɔkpɔ me gbɔ. Ke hã, ga si dɔwɔla ɖeka kpɔna la gakpɔtɔ le xexeame ƒe mamã dedie nu 18%, si ɖe nubabla ƒe lolome suewo kple asixɔxɔ ƒe seselelãme le asi geɖe me fia.

Dzidziɖedzi ƒe nɔnɔme kawoe wobu na LATAM ƒe dijitaal asitsatsa ƒe nɔnɔme?

| Nutoa ƒe dijitaal tɔtrɔ le edzi yim kabakaba, eye asitsaha siwo tsɔa dɔwɔnawo dea dijitaal dzi bliboe la le dzidzedzekpɔkpɔ ƒe ŋutete si le kabakaba wu hati siwo wotsɔ de dijitaalmɔ̃ dzi ƒe akpa aɖe la gbɔ zi gbɔ zi 5.3.

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