The Central Bank of Uruguay published and presented to the industry its Payment System Roadmap 2026–2030, setting out the strategic direction for the evolution of Uruguay’s payments ecosystem in response to technological change and new business models. The roadmap incorporates changes approved in the Budget Law, including on clearing powers, the definition of a repository, a provision enabling the Bank to operate or authorise, and a broadened concept of interoperability covering the whole system and all operators. Five pillars structure the strategy: competition, innovation and efficiency in the payment system; modern, interoperable and resilient financial infrastructure; financial health and economic and financial education with stronger user engagement; innovation in financial markets, financial data and payments; and cybersecurity and operational continuity. Planned workstreams include developing interoperable infrastructure, deepening fast payment systems, implementing open finance, strengthening cybersecurity, and modernising critical systems through the adoption of international standards, alongside continued initiatives to build users’ capabilities for safe and responsible use of payment instruments.

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