arbiter
JournalsAccount

Mobile Instant Payment Systems and Financial Inclusion: A Delphi‐Based Analysis of Brazil's Pix

Manuela Lorenzo et al.

Electronic Journal of Information Systems in Developing Countries2026https://doi.org/10.1002/isd2.70064article
ABDC B
Weight
0.50

Abstract

This study investigates the role of Pix—an innovative mobile instant payment system developed by the Central Bank of Brazil—in promoting financial inclusion in the country, using the Delphi methodology. This research also highlights the importance of mandatory bank participation, regulation and implementation of a centralized governance model led by the Central Bank of Brazil, the flexible structure of the system, the inclusion of small financial institutions, and the implementation of robust data security and privacy measures. These findings provide valuable insights into the key elements that have contributed to Pix's success in Brazil as an innovative financial inclusion tool, paving the way for future research and public policy development on this subject. Finally, by identifying those critical factors, the study highlights Pix's potential for long‐term financial inclusion and socioeconomic development in Brazil, especially among the most disadvantaged segments of the population.

Open via your library →

Cite this paper

https://doi.org/https://doi.org/10.1002/isd2.70064

Or copy a formatted citation

@article{manuela2026,
  title        = {{Mobile Instant Payment Systems and Financial Inclusion: A Delphi‐Based Analysis of Brazil's Pix}},
  author       = {Manuela Lorenzo et al.},
  journal      = {Electronic Journal of Information Systems in Developing Countries},
  year         = {2026},
  doi          = {https://doi.org/https://doi.org/10.1002/isd2.70064},
}

Paste directly into BibTeX, Zotero, or your reference manager.

Flag this paper

Mobile Instant Payment Systems and Financial Inclusion: A Delphi‐Based Analysis of Brazil's Pix

Flags are reviewed by the Arbiter methodology team within 5 business days.

Evidence weight

0.50

Balanced mode · F 0.40 / M 0.15 / V 0.05 / R 0.40

F · citation impact0.50 × 0.4 = 0.20
M · momentum0.50 × 0.15 = 0.07
V · venue signal0.50 × 0.05 = 0.03
R · text relevance †0.50 × 0.4 = 0.20

† Text relevance is estimated at 0.50 on the detail page — for your query’s actual relevance score, open this paper from a search result.