Cover of the Interoperability Index report with map of the Americas and currency symbols, indicating cross-border payments in the Americas (Thunes & Juniper logos).

Report

Regional Interoperability Spotlight: Cross-Border Payments in the Americas

Discover how digital banks, real-time rails, and mobile money networks are transforming cross-border money movement across North America, Latin America, and the Caribbean. Thunes and Juniper Research explore the friction points, payment preferences, and expectation gaps that financial institutions face when connecting these dynamic markets to the global financial system.

Regional Interoperability Spotlight: Cross-Border Payments in the Americas

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What’s inside?

Key Regional Insights

  • The Youth-Led Neobanking Surge in Brazil: 61% of Brazilians aged 18–24 opened a digital bank account as their first formal financial account. 
  • The US Expectations Gap: US senders report disproportionately high dissatisfaction around hidden fees (51% lack upfront visibility) and transfer speed, despite objective costs aligning with global averages.
  • Latin America’s Settlement Latency: In Brazil, 42% of cross-border payment recipients wait over two days to receive funds – even though 51% rank instant transfers as their top priority.
  • A2A and Real-Time Rail Fragmentation: Domestic payment systems like Brazil’s PIX have revolutionized local transfers, yet the lack of bilateral cross-border links causes fragmentation.

A Regional Roadmap for Growth

  • Corridor & Endpoint Analysis: Detailed regional rankings mapping cross-border friction points across the US, Canada, Brazil, Mexico, Chile, Argentina, Colombia, and Peru.
  • The Shift to Digital Wallets: Why mobile wallets and digital apps have outpaced traditional bank accounts as the preferred payout channel across the region.
  • The Interoperability Index Full Standings: Complete access to global benchmarks across 50 countries, offering commercial teams actionable data to target high-growth corridors.

Table of Contents page with green headings and right-aligned page numbers, listing major sections and subsections. Intro page of The Americas Interoperability Index Report with section 1.1 heading: 'Introduction: Interoperability in the Payments Landscape of the Americas' and the Thunes x Juniper logos at the top. Screenshot of a ranking table titled 'Ranking' with a green badge showing 1.2, listing countries (US, Canada, Brazil, Mexico, Chile, Argentina, Colombia, Peru) and their regional rank, global rank, and overall score. Informational page header and ranking table for the Americas Interoperability Index, showing country scores across multiple dimensions.