Chile Fintech Forum 2025: A Milestone in Digital Financial Inclusion and Industry Maturity

The fintech industry in Chile has gone from being a promise to becoming a consolidated reality. This was demonstrated at the latest edition of the Chile Fintech Forum 2025, the country’s most important event for the financial technology ecosystem, which brought together government authorities, entrepreneurs, experts, and investment funds with the common goal of promoting digital financial inclusion and attracting technology capital to Chile.

Organized by FinteChile, the forum addressed the sector’s main challenges and opportunities at a key moment in its development: the implementation of the legal framework regulating fintech activity, the strengthening of public-private partnerships, and the democratization of access to financial services through digital tools.

The Chile Government’s Drive: Digital Financial Inclusion as a State Policy

One of the highlights of the opening day was the speech by Finance Minister Mario Marcel, who reaffirmed the Government’s commitment to inclusive financial digitalization. Marcel emphasized that Chile is going through a turning point that must be seized upon to make digital financial inclusion a true State policy, stressing that it is not enough to simply expand access: it is also essential to ensure that digital financial services are safe, appropriate, transparent, and of high quality.

“Access is no longer enough. The key is to ensure regular, informed, and responsible use that truly improves people’s lives,” Marcel told a packed auditorium.

The minister also celebrated the regulatory progress achieved, especially with the Fintech Law, which began its implementation with the mandatory registration of financial service providers. This process, whose transitional period ends in February 2025, represents a historic opportunity for the formalization of the sector and the construction of a reliable and competitive fintech ecosystem.

Fintech Law in Chile: A Regulation Born from the Industry

One of the most relevant aspects highlighted by the minister was the origin of this legislation, driven by the ecosystem’s own players. Collaboration between the private sector and the regulator has been essential to designing a legal framework that fosters innovation without neglecting the stability of the financial system.

According to Marcel, this new regulatory environment not only increases market confidence but also promotes transparency, financial inclusion, and sustainable growth in the sector. It also helps attract new international players and generate greater levels of technological investment.

FinteChile: 12 million users as evidence of the real impact

Along the same lines, the president of FinteChile, José Gabriel Carrasco, highlighted the concrete impact the industry is already having on the lives of millions of people. “Currently, more than 12 million Chileans use at least one fintech product or service. This is equivalent to practically the entire adult population of the country,” he stated.

Carrasco praised Minister Marcel’s presence at the forum, highlighting the collaborative work that has helped shape a stronger, more professional industry with clear rules. “This demonstrates that public-private leadership can generate concrete results. We’re no longer talking about potential; we’re seeing real impacts on savings, access to credit, financial education, and digital solutions for entrepreneurs,” he added.

One of the central themes of the Chile Fintech Forum 2025 was attracting foreign investment and scaling the local ecosystem. Various panels discussed how Chile can position itself as a regional hub for financial innovation, leveraging its advanced legal framework, growing digital culture, and macroeconomic stability.

With more than 300 fintech companies operating in the country and growing penetration in segments such as digital payments, online lending, insurtech, and automated financial advisory services, Chile presents an attractive opportunity for investors seeking high-growth, low-risk regulatory sectors.

Furthermore, the fundamental role that fintechs play in developing financial solutions for entrepreneurs, microentrepreneurs, and the unbanked was highlighted, thus contributing to reducing inequality and boosting the economy.

Education, talent, and decentralization: the sector’s new challenges

Although the outlook is positive, forum participants agreed that significant challenges remain that must be addressed jointly. These include:

The development of specialized talent in financial technologies, with a focus on inclusion and ethics.

Decentralizing the ecosystem, preventing innovation from being concentrated solely in Santiago and allowing other regions to benefit as well.

Interoperability between fintechs, traditional banks, and state platforms to achieve true digital integration.

Cybersecurity and data protection are key elements for building trust between users and providers.

The conversation also focused on the need to move toward dynamic regulation that evolves alongside technology, without hindering innovation or creating unnecessary barriers to entry.

The Chile Fintech Forum 2025 made it clear that Chile is well positioned to lead the digital financial transformation in Latin America. With modern regulations, an active user base, and an industry committed to inclusion, the country can become a model for other emerging markets.

The government’s message was clear: the development of the fintech industry is not only a commitment to innovation, but a strategy to democratize access to the financial system and improve the quality of life for millions of people.

From the private sector, the response was equally overwhelming: there is the will, experience, and capacity to continue growing, innovating, and generating social value.

The Chile Fintech Forum 2025 was not just a meeting place, but the consolidation of a shared vision: a future where technology and finance work together to generate development, inclusion, and well-being. Public-private partnerships, smart regulation, and ecosystem engagement will be key to continuing to move forward.

With more than a decade of sustained growth, the Chilean fintech industry is entering a new phase, one in which the focus is no longer just on growth, but on consolidation, professionalization, and leadership. And everything indicates that Chile is ready to take on this challenge.

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(Featured image by Juan Pablo Ahumada via Unsplash)

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First published in America Retail. A third-party contributor translated and adapted the article from the original. In case of discrepancy, the original will prevail.

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