People in emerging markets use smartphones for digital payments at cafés, transit kiosks, and street shops, reflecting rising consumer spending. Key Points DLocal is well-positioned as a fintech in emerging markets, streamlining e-commerce for business and consumers. Grab Holdings is monetizing its platform as it expands and penetrates with services including ride-hailing, delivery, and autonomous vehicles. Arco Dorados' digital transformation is driving results and is expected to underpin growth and m ...