The Impact of Digital Transformation in Latin America and the Caribbean: Opportunities and Risks in a Context of Economic and Financial Resilience

Digital transformation in Latin America and the Caribbean is reshaping the economy, strengthening financial resilience, and optimizing resource management. This study examines the intersection of technological innovation, economic sustainability, and the efficient administration of key sectors such as energy, mining, agriculture, and finance. Through case studies in Brazil, Chile, Mexico, and Colombia, it highlights the impact of artificial intelligence (AI), the Internet of Things (IoT), and digital platforms on operational efficiency and inclusion. However, digital gaps and technological dependence on external providers threaten economic stability. Countries with advanced digital strategies, such as Brazil’s Payment System Instantaneous (PIX) and Chile’s interoperability framework, have demonstrated greater resilience. Digitalization in water and energy management is also driving regional sustainability. The study recommends bridging the digital divide, strengthening cybersecurity, and promoting inclusive governance to ensure equitable access to digitalization. In conclusion, an integrated digital strategy can be a key driver of economic resilience and sustainable development, provided that governments and businesses align efforts toward an inclusive digital agenda.