Between May and August 2025, digital operations reached historical figures in Argentina. Immediate transfers, the opening of accounts and the use of E-Cheq grew, while the QR is consolidated as the favorite method of millennials and expands even to public transport.
The way of moving money in Argentina is already a fact. Between May and August 2025, immediate transfers exceeded 1,837 million operations, which implies a 15.6% year -on -year jump.
The data arise from COELSA INDICATORwhich measures the main movements of the payment system. The report shows that the Opening of digital accounts It grew more than 32%while dollars 17%increased, reflecting a more diversified use of financial services.
The QR boom: +93% in a year
The most outstanding data was the Growth of payments with QRthat advanced 93.3% in volume operated And they already represent the 11.7% of the total transactions of the period.
This jump is based on the Interoperability Among banks, wallets, acquirers, acceptors and Coelsa, which allows any user to pay with any wallet in any trade.
Adoption is especially high in the Province of Buenos Aires (39.9%)followed by Córdoba (12.1%) and CABA (7.7%)concentrating more than half of the payments. The Millennials They are the age group that uses this modality most, confirming that the digital jump has a strong generational component.
The use of QR has already reached public transport: in August they were made More than 120,000 trips Under the system #Viajesconqrwhich allows paying passages from digital wallets. The modality is already active in CABA, AMBA and in cities such as Rosario, Mendoza, Córdoba, Tucumán, Neuquén and San Luiswith benefits and discounts according to the wallet used.
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E-CHEQ: Digitization also reaches companies
The adoption of electronic check (e-cheq) marked another milestone: he represented the 56.6% of the total checks presented to collection. Of the more than 20 million checks processed in the four -month period, 11.4 million were in electronic format.
The E-CHEQ offers greater efficiency, traceability and lower environmental impactreasons why more and more companies choose this modality for their operations.
The figures confirm that digitalization not only grows in volume, but also Expand access to formal financial services. With an interoperable infrastructure and the participation of multiple actors, electronic money is consolidated as the daily channel of millions of Argentines.
Source: Ambito
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