Mexican users are wary of digital payments

According to an analysis of social media conversations, 8 out of 10 comments posted between March 19 and 20—during the 89th Banking Convention—were critical of the plan to accelerate digital payments in the country.

Dinamic, a software program that collects real-time data from social media, reported that of 12,873 posts referencing the digitization of payments, 81.5% expressed opposition due to fears of increased government oversight. The most frequently mentioned topic in the comments was “money tracking.”
This stems from the fact that during the Banking Convention, Mexico’s president, Claudia Sheinbaum, announced mandatory digital payments for toll booths and gas stations. According to data compiled by Dinamic: “Rejection is overwhelmingly predominant and is articulated as a structural critique of the banking system.”

“The banking sector is perceived as an instrument of surveillance and control that reduces financial autonomy... Added to this are concerns about fraud, lack of user protection, high fees, and exclusion of vulnerable sectors,” the Dinamic program’s report elaborated.

“Surveillance, state control, and loss of financial freedom” were the main topics discussed in social media comments regarding Sheinbaum’s statement.

The software detailed that 16.6 percent of the conversations were neutral, taking a more analytical stance, where banking is interpreted as part of broader economic and political dynamics. These narratives do not express a direct assessment but rather provide context for the financial system within global or comparative frameworks, thus reflecting a segment of the system that observes the issue without a defined position.

The positive comments—though fewer in number—viewed the digitization of payments as “a mechanism that brings order, traceability, and greater transparency, while also strengthening the fight against illicit activities… An approach that stems primarily from profiles that prioritize efficiency, institutional control, and economic modernization.”

Finally, Dinamic highlighted that its study is based on the analysis of 12,873 social media posts (X, Facebook, TikTok, YouTube, and Instagram) between March 19 and 20, 2026, with the aim of understanding digital perceptions of the banking sector in Mexico.