Visa Index Reveals Latin American Companies Embrace Digital Solutions Unlocking $22.6 Million in Savings
Miami, Florida – October 31, 2025 – At the 59th Latin American Banking Federation (FELABAN) assembly 2025, Visa, a global leader in digital payments, released findings from its third annual Growth Corporates Working Capital Index for Latin America. The report highlights that organizations across the region are effectively leveraging digital tools, artificial intelligence, and payment cards to unlock substantial savings, turning economic uncertainties and market volatility into strategic opportunities.
The Index reveals that middle-market firms ($50M–$1B revenue) in the region achieved significant savings of $22.6 million—surpassing the global average of $19 million—accounting for 5% of their revenue through effective use of working capital solutions. Notably, 53% of these firms are reinvesting these savings to accelerate supplier payments, while 62% use AI for working capital optimization—the second highest global rate.
Drawing insights from nearly 1,500 CFOs and Treasurers across 10 industries and 23 countries—including Argentina, Brazil, Chile, Colombia, Mexico, and Peru—Visa’s Working Capital Index highlights how organizations are navigating business conditions and optimizing working capital to achieve efficiencies and adapt to evolving corporate finance behaviors.
“Finance leaders from Latin America and the Caribbean are redefining resilience— optimizing working capital solutions to fuel sustainable growth,” said Jose Luis Gonzales, head of Visa Commercial Solutions for Visa Latin America and the Caribbean. “With AI and digital payment tools, they’re revolutionizing working capital strategies; leading the future of business efficiency with agility, innovation and speed, staying ahead in today’s economy.”
More Key Findings for Latin America:
- Positive outlook for working solutions. In Latin America, 97% of surveyed firms plan to adopt working capital solutions next year, including 37% turning to flexible on-demand tools like commercial and virtual cards.
- Turning Volatility into Competitive Advantage. 27% of surveyed firms use solutions primarily for strategic investments and upgrades, while 5% use them opportunistically to capture unexpected growth opportunities.
- AI Gives Cash New Visibility. In Latin America, 62% of firms deploying AI use it to improve forecasting, automate routine tasks, and enhance supplier integration.
- Working Capital in Action. Growth Corporates in the region have integrated 52% of their suppliers into payment systems, while just 7% still face unpredictable financing needs. By streamlining payments, they’ve also paid 41% of invoices ahead of schedule.
- What Growth Corporates Want. Latin American Growth Corporates want working capital solutions that are fast, flexible and tailored. In the region, 26% of firms pointed to simplified account management as their top demand, while 18% seek AI and forecasting tools.
- High Adoption Solutions. In the region, agriculture (87%), commercial travel (85%), media & teach (81%) healthcare (80%) are leading industries adopting working capital solutions.
- Driving efficiency to new levels. Latin America’s Index scores increased to 57 in 2025 from 54, with gains in all industries except Media & Tech. Gains were driven by a 60% reduction in cash flow uncertainty and a 20% rise in supplier payment integration.
- Why Businesses Are Turning to Commercial Cards. 46% of firms accept cards for faster settlement, followed by enhanced transaction data (36%), while less reliance on manual processes (35%), and access to rebates and rewards (34%) are primary motivations for paying with cards.
-
