Insights

Mexico’s Fintech Law 2.0 catapults the country from early‐mover to regional rule-setter. The 2025 amendments expand the original statute beyond crowdfunding and e-wallets to cover AI-driven credit scoring, open-finance APIs and fully licensed crypto custodians, while tying everything to the new national digital-ID platform, Llave MX.

OpenAI leadership has visited Mexico, recognizing the country as a key center for studying the impact of AI. Mexico’s high usage of OpenAI tools and its innovative community have made it a focal point for these efforts.

Mexico’s “digital government” wave is moving from online forms to AI-driven decision tools. Yet the gap between ambition and impact is widening: connectivity is patchy, algorithms often run as black boxes, and civic participation still lags. This article unpacks three real-world initiatives: Mexico City’s Llave CDMX, Guadalajara’s Visor Urbano, and the SAT’s AI oversight program, and asks whether they advance true smart governance or simply automate old flaws.