{"id":23248,"date":"2026-04-09T15:39:21","date_gmt":"2026-04-09T12:39:21","guid":{"rendered":"https:\/\/oktopayments.com\/latam\/?p=23248"},"modified":"2026-04-09T15:46:10","modified_gmt":"2026-04-09T12:46:10","slug":"impulse-economy-new-research-reveals-how-payments-impact-spontaneous-online-consumption","status":"publish","type":"post","link":"https:\/\/oktopayments.com\/latam\/impulse-economy-new-research-reveals-how-payments-impact-spontaneous-online-consumption\/","title":{"rendered":"&#8220;Impulse Economy&#8221;: New Research Reveals How Payments Impact Spontaneous Online Consumption"},"content":{"rendered":"<p><i><span style=\"font-weight: 400;\">OKTO PAYMENTS new study identifies a new pattern of spontaneous consumption in Latin America and highlights the growing impact on\u00a0 igaming &amp; betting, fx a&amp; trading and other e-commerce businesses<\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><b>S\u00e3o Paulo, April 8, 2026<\/b><span style=\"font-weight: 400;\"> \u2013 There is a scene that keeps repeating itself across different sectors of digital commerce. A consumer spots a deal on their phone and decides to buy it on the spot. Another, at home, watches a game and places a bet during halftime. A third tracks a market swing and tries to execute an investment. Different contexts, same pattern: the decision happened in seconds, unplanned, and if the platform&#8217;s payment system can&#8217;t keep up with that pace, the moment is gone and the sale is lost.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">This is the behavior that new research from OKTO PAYMENTS, a payment service\u00a0 provider, identifies as the Impulse Economy, an environment where transactions are triggered instantly and won or lost in milliseconds.\u00a0\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The study <\/span><i><span style=\"font-weight: 400;\">&#8220;Playing Differently in LatAm: How a New Generation of Players is Redefining the Payment Experience&#8221;<\/span><\/i><span style=\"font-weight: 400;\">, conducted with 620 consumers and businesses in Brazil, Argentina, and Chile, reveals that spontaneous digital consumption is no longer occasional, it is dominant. Latin America is emerging as a leading indicator of this shift, particularly in high-intensity sectors such as retail, betting, and online investing. Latin America is emerging as a leading indicator of this shift, particularly in high-intensity sectors such as retail, betting, and online investing.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">More than <\/span><b>95%<\/b><span style=\"font-weight: 400;\"> of respondents report having already made purchases, bets, or investments online without planning to, while doing something else entirely. For <\/span><b>37.5%<\/b><span style=\"font-weight: 400;\">, this type of spontaneous consumption accounts for more than <\/span><b>30%<\/b><span style=\"font-weight: 400;\"> of all their digital activity in a given month.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">The challenge for businesses starts the moment payments fail to match the speed of decision-making of the consumer. According to the research, <\/span><b>87.9%<\/b><span style=\"font-weight: 400;\"> of users expect a deposit or payment to be processed in under 60 seconds. Among Gen Z and Millennials, more than half <\/span><b>(52.5%)<\/b><span style=\"font-weight: 400;\"> want it resolved in under 30 seconds.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">When that threshold is crossed, the consequences become clear: <\/span><b>29%<\/b><span style=\"font-weight: 400;\"> abandon the transaction on the spot, without trying again. Another <\/span><b>48%<\/b><span style=\"font-weight: 400;\"> say they&#8217;ll try later, but in an impulse-driven context, that intention rarely converts into a return visit.\u00a0<\/span><\/p>\n<h3><b>Peak demand moments push platforms to their limits\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">Impulse consumption doesn&#8217;t build gradually throughout the day. It spikes in short windows, triggered by an external event, such as a goal, a flash sale, a market headline. More than half <\/span><b>(55.6%)<\/b><span style=\"font-weight: 400;\"> of the merchants surveyed report that one third of their total transaction volume is concentrated in the first five minutes after that specific trigger.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">And at exactly those high-intensity windows, consumers are even less tolerant of any friction. The study shows that nearly <\/span><b>40%<\/b><span style=\"font-weight: 400;\"> of users say they have less patience for slowdowns during impulse situations, precisely when they are most motivated to complete the transaction.\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">&#8220;\u201cWe\u2019re seeing a fundamental shift, payments are no longer a back-end function, they are the moment where revenue is either captured or lost,\u201d says Andre Boesing, General Manager South LatAm at OKTO PAYMENTS. \u201dIn the Impulse or you can call it Zero-Wait Economy, conversion doesn\u2019t depend on intent, it depends on speed. If you can\u2019t process in seconds, you\u2019re not competing.\u201d<\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">Reach out to OKTO PAYMENTS team here to request the complete report <\/span><a href=\"https:\/\/oktopayments.com\/latam\/contact\/\"><span style=\"font-weight: 400;\">https:\/\/oktopayments.com\/latam\/contact\/<\/span><\/a><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b>Companies recognize the problem, but haven&#8217;t solved it yet\u00a0<\/b><\/h3>\n<p><span style=\"font-weight: 400;\">The research lays bare the gap between what merchants understand and what they actually deliver. Three in four <\/span><b>(75.9%)<\/b><span style=\"font-weight: 400;\"> acknowledge that instant payments are critical for retaining customers. But nearly half <\/span><b>(47.4%)<\/b><span style=\"font-weight: 400;\"> admit that payment slowdowns and friction are already hurting their conversion and retention rates in practice.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">That disconnect also shows up in how businesses read what users actually value. The study finds that 28.8% of respondents rank immediate access to funds as the top factor in staying with a platform \u2014 ranking above price, product variety, and customer support. It is the most cited indicator across all attributes evaluated in the study.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u201cConsumers have already adapted to real-time experiences, but payments haven\u2019t fully caught up,\u201d Andre adds. \u201cThe gap between how fast people decide and how fast businesses can process is where friction turns into revenue loss. The most valuable transactions today happen in the smallest windows of time. Peak moments don\u2019t just increase volume, they compress expectations. Systems that perform under normal conditions often fail exactly when it matters most.\u201d Andre Boesing concludes.\u00a0<\/span><\/p>\n<p><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<h3><b><i>About OKTO PAYMENTS<\/i><\/b><b>\u00a0<\/b><\/h3>\n<p><i><span style=\"font-weight: 400;\">OKTO PAYMENTS is the next-generation Payment Service Provider \u2013 AI-native, precision-engineered, and relentlessly merchant-obsessed. <\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">Built for merchants operating in the most complex and demanding eCommerce sectors, our platform does far more than process transactions. We solve for scale, compliance, and performance \u2014 with one unshakable focus: delivering outcomes that power merchants&#8217; growth. <\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">From payments and banking to treasury and settlement, we engineer the financial infrastructure that gives our partners an edge. The result? Faster onboarding, smarter operations, and resilient, real-time performance. <\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p><i><span style=\"font-weight: 400;\">We enable merchants to Play Differently, transforming payments from routine transactions into genuine differentiators that create personalized, frictionless payment experiences for their customers. Our AI-native innovation harnesses data and insight to power every decision, while our proprietary, in-house engineering ensures precision and control. Combined with deep, trust-based relationships across the globe, we\u2019re redefining what it means to build, scale, and win in complex and demanding digital commerce. <\/span><\/i><span style=\"font-weight: 400;\">\u00a0<\/span><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>OKTO PAYMENTS new study identifies a new pattern of spontaneous consumption in Latin America and highlights the growing impact on\u00a0 igaming &amp; betting, fx a&amp; trading and other e-commerce businesses\u00a0 S\u00e3o Paulo, April 8, 2026 \u2013 There is a scene that keeps repeating itself across different sectors of digital commerce. A consumer spots a deal [&hellip;]<\/p>\n","protected":false},"author":17,"featured_media":23249,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0},"categories":[1],"tags":[],"class_list":["post-23248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>&quot;Impulse Economy&quot;: New Research Reveals How Payments Impact Spontaneous Online Consumption - OKTO Payments<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/oktopayments.com\/latam\/impulse-economy-new-research-reveals-how-payments-impact-spontaneous-online-consumption\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"&quot;Impulse Economy&quot;: New Research Reveals How Payments Impact Spontaneous Online Consumption - OKTO Payments\" \/>\n<meta property=\"og:description\" content=\"OKTO PAYMENTS new study identifies a new pattern of spontaneous consumption in Latin America and highlights the growing impact on\u00a0 igaming &amp; betting, fx a&amp; trading and other e-commerce businesses\u00a0 S\u00e3o Paulo, April 8, 2026 \u2013 There is a scene that keeps repeating itself across different sectors of digital commerce. 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