Pretty cool - but why is it that so many people in LATAM don't have credit cards? Does the existence of neobanks (I'm thinking Revolut, N26, etc.) change much in your thinking about the market?
Many people in Latam aren't part of a payroll and make their living from the informal economy. Even if those people have the acquisitive power, Banks will never extend them a credit line because they don't have anything to demonstate a steady income besides their word.