Mexican Digital Buyers Show Diversity, Use Multiple Payment Tools

The Digital Financial Ecosystem Study 2025 by the Mexican Association of Online Sales (AMVO) shows that Mexican digital buyers are increasingly informed, connected, and open to new financial solutions. This trend is diversifying payment methods, buyers hold an average of three financial products, and strengthening digital payments as a key driver of e-commerce growth. 

The study found that 32% of online shoppers buy at least once a week, with an average monthly spending of MX$2,610 (US$141.74). 

Mexican digital buyers maintain a functional but basic relationship with financial services. While most hold three financial products, 47% use only one or two. Debit (79%) and credit cards (52%) are the most common, signaling potential for cross-selling. Millennials make up 40% of buyers, while Gen Z exhibits the most frequent online purchasing. Gender distribution is nearly equal (52% male, 48% female).

Trust, user experience (UX), and tangible benefits guide buyers’ decisions. Nearly 9 in 10 consumers prioritize trust, 85% value a seamless UX, and 50% are influenced by promotions, rates, or rewards. Satisfaction with current payment methods is high (4.2/5), primarily driven by UX (81%), trust (56%), and service quality (50%). Research before purchase is hybrid: 41% look online, often consulting social channels first, then verifying via financial institution websites (57%).

Digital payments are widely used for subscriptions, everyday purchases, and services (65%), with digital cards leading (64%), though cash remains in use (21%). Free shipping (50%) and interest-free installments (49%) are the most influential benefits. Emerging technologies, including microcredits, are still adopted occasionally (47%), providing access to new payment methods (31%) and opportunities for digital savings or investment (27%).