Latin American fintech funding experienced a significant downturn after 2021, but in 2024 showed signs of recovery, surpassing 2023 investment levels.  

While still below peak years, this rebound is attributed to a combination of factors including companies reaching milestones and seeking further funding, and a shift towards more infrastructure-focused startups. However, the market remains underdeveloped, with limited exits and reliance on regional funding, indicating continued need for greater international investment and entrepreneurial belief in the region's potential.  

Despite challenges, experts see promising improvements in the quality of startups and the market's overall trajectory.