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Payments Are About People: Innovation from the Digital South

What does a journalist turned payments executive see that others miss? In this episode, Wolfgang Fengler sits down with Estelita Haas, Head of Market Intelligence and Product Marketing at Ebanx, a fast-growing Brazilian fintech unicorn now operating in 25+ countries across Latin America, Africa, and Asia.

Estelita shares how her background reporting from Brazil's overlooked regions shaped her conviction that the most important stories, and the most important markets, are the ones nobody is paying attention to. That same instinct drives Ebanx's focus on the "Digital South": hundreds of millions of mobile-first, young, middle-class consumers who are transacting online for the first time and can't be reached with a card-first checkout.

In this conversation, you'll hear about the innovation happening right now in emerging market payments, from Brazil's Pix reaching 95% adult adoption in under five years, to India's UPI embedding inside Rupay cards, to M-Pesa in Kenya issuing virtual cards for online purchases. Estelita argues that rather than competing, these payment methods are feeding each other and building a larger, more inclusive ecosystem.

Key themes: fintech innovation, emerging markets, financial inclusion, digital payments, the Global South, consumer behaviour, SaaS, gaming, social commerce.

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Data Talks is produced by World Data Lab, bringing global data to life through insights, conversations, and stories that matter.