EBANX's annual study on digital payments is out!  The 7th edition of Beyond Borders shows why adapting to local payment habits is a boon for global merchants. Read all about it on EBANX Insights.

EBANX's annual study on digital payments is out

How Nigerians pay online? Insights on what Verve's 65% of the local card market means and on how its partnership with EBANX supports cross-border payments for global merchants targeting Nigeria. 

How Nigerians pay online: Insights from Verve

How Nigerians pay online: insights from Verve

Why A2A scales when interoperability comes first: across very different markets, the same hidden dynamics determine whether account-to-account payments become habit or fade into option. Read the analysis on EBANX Insights.

Why A2A scales when interoperability comes first

EBANX appoints Eduardo de Abreu as Chief Product Officer. He will lead the company's global product strategy from Singapore. Read all about it on EBANX Insights. 

EBANX appoints Eduardo de Abreu as Chief Product Officer

Latin America's digital commerce defies the region's macro gloom. While GDP growth hovers near 2% in 2026, e-commerce is set to expand at a double-digit pace through 2028


Latin America's digital commerce defies the region's macro gloom

Latest Articles

5 lessons from Brazil's Pix for other emerging markets

Brazil’s instant revolution, Pix, did not follow a Western blueprint, and that is why it resonates with other emerging regions. Read five lessons from the system, according to EBANX's VP of Product, Eduardo de Abreu.

Five lessons from Brazil's Pix for other emerging markets

Digital wallets have become the fastest-growing online payment in Brazil in 2025, according to an EBANX analysis on PCMI data. Read all about it on EBANX Insights.

Digital wallets become the fastest-growing online payment in Brazil

Nequi’s recurring feature removes Colombia’s credit-card barrier, enabling subscriptions and digital services for over 27 million users. Read all about it on this EBANX Insights analysis.

How Nequi recurring payments can reshape digital commerce in Colombia

From “Nequi me that” to Netflix subscriptions

According to World Data Lab, by 2035, emerging markets will add over 1B new consumers. See how regions like Latin America and Africa are reshaping global growth, spending, and digital commerce.

How emerging markets will add 1 billion consumers by 2035

The unsuspecting opportunity in non-obvious high-growth markets

How EBANX leverages AI to fight fraud and boost performance, consistently surpassing market benchmarks, and optimizing merchants' approval rates. Read all about it.

How EBANX leverages AI to fight fraud and boost performance

We know that in digital payments, "every basis point counts."

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Paul Ohakim is Vice President, Issuing and Acquiring (Africa) at Verve International, Africa’s leading domestic payment card scheme. With over a decade in banking before joining Interswitch Group, where he has now spent more than 10 years, Paul brings deep expertise in digital payments, ecosystem expansion, and market strategy. He leads Verve’s growth across issuance and acceptance, advancing its footprint across the continent and securing partnerships with global merchants like Google and Netflix. He also engages with the Central Bank of Nigeria on policies that promote financial inclusion and interoperability. Outside of work, Paul is an avid fitness enthusiast.

Paul Ohakim

Alessandra Arduini brings 15 years of corporate experience, with over eight years leading complex initiatives in the tech, e-commerce, and financial sectors. Currently Head of Data & AI at EBANX, she has been with the company since 2022. In this role, she sets the strategic direction for the Data Science, Data Engineering, and Data Analytics teams. She spearheaded the company's focus on data products development, a capability she now works to consolidate and embed within the company's core operations, ensuring seamless cross-functional collaboration.

Alessandra Arduini

Débora Dellani focuses on market intelligence and go-to-market narratives for global merchants expanding into emerging markets. She brings over a decade of experience across B2B SaaS, marketing, and fintech, including leadership roles at US-based startups and participation in global acceleration programs (Google and Techstars). She holds an MIT Professional Certificate in Applied Data Science and an MBA in Marketing and Administration.

Débora Dellani

Chris Zietsman is the Executive Head of Business Payments at Capitec. He is a key leader in driving the bank's innovative payment solutions. He holds overall responsibility for ensuring the success of Capitec Pay by driving affordable and secure payments.  Zietsman is at the forefront of forging strategic partnerships with global companies.  His work is pivotal in expanding Capitec's footprint in the digital commerce space.

Chris Zietsman 

Eduardo de Abreu is Chief Product Officer at EBANX, where he leads product strategy and business architecture for global merchants operating in emerging markets. With more than a decade at the company, he has held leadership roles spanning product, finance, and commercial strategy. He holds degrees in Economics and Engineering, as well as postgraduate training in finance and business management.

Eduardo de Abreu

Sinenkosi Mtshali is a Global Expansion Market Specialist at EBANX, supporting the company’s growth across Africa through partner-driven work on payment models and regulatory strategy. She contributes to advancing digital payments adoption in the region and co-authored the white paper Connecting the World: How Cross-Border Payments Fuel E-commerce. Sinenkosi is also a regular participant in key industry forums, where she engages with leaders on the future of payments in Africa.

Sinenkosi Mtshali

Perhaps the most overlooked lesson from Brazil is the importance of trust. Consumers adopted Pix rapidly because it felt familiar, transparent, and low-risk.

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The Payments Explained is a complete glossary that defines the main terms and concepts commonly used in the payment industry. In just a click you can access great articles and easily learn more about the payments world.

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Payments Explained: SWIFT Code

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Payments Explained: Electronic Funds Transfer (EFT)

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Explore studies, white papers, reports, e-books, and other insightful content based on expert sources and more than a decade of global experience in the payments industry amidst expanding economies. We encourage you to deepen your payments knowledge and uncover business opportunities with free resources from EBANX.

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Resource: Flying High In Rising Markets

Resource: The Saas Market In Rising Economies

Resource: The Payment Performance Checklist

Resource: The Latin American Gamer Profile:

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EBANX Insights is a content hub that delivers premier news and opportunities within the payment industry. Explore articles authored by our subject matter experts.

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Online has surpassed the offline travel market, so knowing travelers' preferences when purchasing from OTAs is crucial.

The Size of the Opportunity for Online Travel Agencies

[REPORT]: The Size of the Opportunity for OTA

How global SaaS companies can accelerate growth through recurring payments.

The SaaS market in rising economies

[WHITEPAPER]: The SaaS market in rising economies

Getting a deeper understanding of Latin Americans' preferences and payment behavior is crucial to converting them into loyal customers. Read the full guide!

Payment Performance Guide Checklist

Guide: The payment performance checklist to elevatin

Catch on to the main characteristics and habits of gamers from Latin America. This infographic uncovers how Latino gamers behave, their preferences, and also in

Catch on to the main characteristics and habits of gamers from Latin America. This infographic uncovers how Latino gamers behave, their preferences, and also insights that will contribute to winning Latinos gamers' hearts.

Infographic: The Latin American gamer profile

Consumer paying an online purchase with a card.

How Nequi recurring payments can reshape access to digital services in Colombia

n this fireside chat from Payments Summit 2025, Marie-Elise Droga, from EBANX, and Paula Paschoal, from Mastercard, discuss how to build smarter payments in emerging markets.

Cards, APMs, or stablecoins? Consumers want choice and control

In this Mastercard–EBANX fireside chat, two industry leaders break down how instant payments, stablecoins, and new rails are evolving—and why the real edge now lies in giving consumers choice and control. Read it all about it!

Mastercard & EBANX on building smarter payments

Pix Automático transactions projected to grow 41% monthly through May 2026

Based on EBANX operational data, Pix Automático is scaling rapidly in Brazil, improving approval rates and expanding access to recurring payments for global brands. Learn all about it.

Pix Automático growth: what EBANX data reveals so far

Pix Automático transactions projected to grow 41% monthly by 2026

Five years on, Brazil's Pix approaches 8 billion monthly transactions

Pix approaches 8 monthly transactions. Marking its fifth anniversary, Brazil’s instant payment system, Pix, is on course to surpass seven billion monthly transactions for the first time, potentially reaching 7.9 billion in December. Read all about it.

Pix: Brazil's instant system is on track to reach 8 billion monthly transactions

Five years on, Pix approaches 8 monthly transactions

EBANX appoints Marin Mignot as COO to streamline global expansion

EBANX appoints Marin Mignot as COO to streamline global expansion. Marin joins EBANX to scale its global growth while preserving the agility that fueled the company’s rise. Read all about it.

Hotmart sees retention boost after launching Pix Automático via EBANX

Hotmart sees retention boost after launching Pix Automático via EBANX. New data on Hotmart’s operations with the recurring feature showing a 32 percentage-point uplift in consumer retention were disclosed at the Payments Summit. Read all about it.

EBANX expands across Southeast Asia with launch in the Philippines

EBANX announcements at the Payments Summit 2025: AI-driven, stablecoin, and payout solutions for global companies in emerging markets, plus an expansion towards the Philippines. Read all about it. 

EBANX expands to the Philippines

What Pix Automático means for Asian-Pacific gaming companies

What Pix Automático means for Asian-Pacific gaming companies. The recurring feature of Brazil's instant payment system could be instrumental in bringing more gamers to APAC developers.

Cracking the LatAm code: How local payments fuel SaaS champions

Digital SaaS brands are scaling fast in Latin America, but their success depends on how well they adapt to local needs. Read all about it.


The SDK that scaled EBANX

How an engineering-built solution helped us integrate 100+ payment methods, speed up delivery, and expand globally. Read all about it.

What is SWIFT?

SWIFT Code - An Overview

Does every bank have a SWIFT code?

Is a BIC code the same as a SWIFT code?

What is IBAN, and how is IBAN Different From a SWIFT Code?

Why do we Need IBAN?

How do I Locate my Bank's SWIFT Code?

In international business, SWIFT Codes are a standard part of conducting transactions. SWIFT codes identify banks for merchants and companies who transfer payments internationally so the money is withdrawn and deposited in the right place. It’s up to the company to locate their banking SWIFT codes to ensure quick and accurate payment. Understanding how SWIFT codes work is vital for smooth transactions that result in fast and easy payments.

SWIFT Code

Swift Code

What is SWIFT Code? | Payments Explained

Staying current with local ecosystems' decisions shapes card payment performance

Staying current with Latin American local ecosystem’s decisions shapes card payment performance. EBANX Operations Director André Peixoto shares key developments from issuers and advice on adapting to changes. 

Staying current with local decisions shapes card payment performance

Staying current with local ecosystem’s decisions shapes card payment performance

What are instant payments?

What is UPI payment?

How UPI Works?

What are the benefits of UPI transfer?

Start offering UPI payment method with EBANX

Launched on April 11, 2016, UPI became the most popular payment method in India, and it is projected to account for 90% of the total transaction volume in retail digital payments from 2023 to 2028.

Unified Payments Interface (UPI): the instant payment that reshaped India's financial landscape

Unveil the power of UPI in India, exploring how it works and revolutionizes transactions. Discover Insights with EBANX.

The Unified Payments Interface (UPI) is a digital and real-time payment system developed by the National Payments Corporation of India (NPCI) and regulated by the Reserve Bank of India (RBI). 

Unified Payments Interface (UPI)

What is UPI in India and how does it work?

What is an EFT payment?

What is the Electronic Fund Transfer Process?

Types of EFT Payments

What’s the Difference Between an EFT and an ACH?

Are Electronic Fund Transfers Safe?

What are the Benefits of Electronic Fund Transfer?

How Do Electronic Funds Transfers Work for International Payments?

Every transaction starts somewhere. In today’s global economy, e-commerce is on the rise. Digital payment is the way of today, and tomorrow, and that means any business, large or small, needs to take advantage of electronic transactions. That’s where electronic funds transfer comes in. This concept is applicable to every digital transaction out there, and for merchants, businesses, and consumers it’s important to know how electronic money transfers work. This is electronic funds transfer explained.

Electronic Funds Transfer (EFT)

Digital payment is the way of today, and tomorrow, and that means any business, large or small, needs to take advantage of electronic transactions.

Electronic Funds Transfer

What is Electronic Funds Transfer (EFT)?

Jonathan leads the development of data-driven insights at World Data Lab, including the acclaimed Beauty Report. With 20 years in consumer analytics, he has worked across Europe and Asia, including at Kantar. He partners with top global brands to deliver future-focused market intelligence.

Jonathan Haigh

At EBANX, Ariel Cezar Andrade leads the creation of cutting-edge products using Machine Learning and Generative AI. With a career focused on tackling complex challenges in fraud prevention, he has previously developed data science solutions in the banking and food tech sectors. His foundation includes a degree in Control and Automation Engineering (UFOP) and advanced specializations in Data Science (ITA), Big Data (FIAP), and Business Management (USP).

Ariel Cezar Andrade

What is 3D Secure?

How does a 3D Secure payment work?

The benefits of 3D Secure

What is 3D Secure 2.0?

The importance of 3D Secure

Payment fraud continues to be one of the major concerns for e-commerce businesses, but 3D Secure can be a solution. Read on! We will help you to understand 3DS technology fully.

3D Secure: All You Need to Know

3D secure - as known as payer authentication - is a technical standard that adds a layer of security in online credit and debit card transactions.

What is 3D Secure (3DS)?

What is 3D Secure (3DS)? | Payments Explained

Alyson Grosshandler joined EBANX in January as Regional Director for the North Cone. She brings more than 20 years of experience in payments across Fortune 500 companies and fintech startups in the US, Asia, and Latin America, including the past decade in Mexico. At EBANX, she works closely with local leaders and partners to navigate the complexities of emerging markets and build scalable, inclusive payment ecosystems.

Alyson Grosshandler

EBANX Team

EBANX & SIHI: How local payments unlocked growth in Brazil

Discover how people and businesses are consuming online and paying digitally in Latin America, Africa, and India

Discover now

Beyond Borders 2025

By implementing EBANX's localized payment solutions, SIHI turned a significant business constraint into a competitive advantage. The company overcame its payment challenges and leveraged the new payment infrastructure to accelerate growth and tap into new customer segments in Brazil.

EBANX & SIHI: How local payments unlocked amazing growth in Brazil

Bridging the gap between local payment rails with global commerce trends to reveal what drives today's most dynamic markets.

Beyond Borders 2026: EBANX annual study is out!

How digital payments and e‑commerce are gaining traction in Latin America, Africa and India

Beyond Borders 2023/2024

Download the Study

Our annual study is out! Beyond Borders 2022-2023

Get the latest news and trends about payments in emerging markets!

Market Updates

With nearly two decades of experience reporting on business, finance, and innovation across Brazil and Latin America, Fabiane enjoys uncovering transformative businesses and influential leaders in emerging markets. At EBANX, she focuses on driving impactful thought leadership and dynamic content strategies.

Fabiane Ziolla Menezes

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Global players see 33% monthly transactional growth with Colombia's Nequi

Discover how people and businesses are consuming online and paying digitally in Latin America, Africa, and India.

Nequi has 21 million users and has become the leading mobile payment platform in Colombia.

Global players see 33% monthly growth in transactional volume with Colombia's Nequi

Global companies see 33% monthly growth in transaction volume from Colombia's Nequi

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Mobile Money: what is it, and how does it benefit Africa?

It’s time to enhance your retail marketplace in Latin America with a tailored approach to payments.

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EBANX Retail & Marketplace Solution

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Report: Gaming in Latin America

The rise of mobile money has been especially significant in Africa. See what's behind this phenomenon and how it is pushing Africa's development forward.

As the world restructures from the pandemic, the importance of digital wallets has increased in the business sector. Learn more.

Latest Articles

EBANX appoints Eduardo de Abreu as Chief Product Officer

How Nigerians pay online: Insights from Verve

Why A2A scales when interoperability comes first

Latin America's digital commerce defies the region's macro gloom

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BEYOND BORDERS 2026 IS OUT!

Words from our experts

Meet our experts

Paul Ohakim

Alessandra Arduini

Débora Dellani

Chris Zietsman

Eduardo de Abreu

Sinenkosi Mtshali

Paul Ohakim

Alessandra Arduini

Débora Dellani

Chris Zietsman

Eduardo de Abreu

Sinenkosi Mtshali

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Payments Explained

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