As 2025 comes to an end, it is inevitable totake stock of what has happened over the past year. In this regard, the yearnow ending marked a turning point for Plusmo. It was a period of strategic redefinition, during which we moved forward with a shift in the focus of our business model. In this process, PlusmoProtect played a particularly prominent role, with growth that far exceeded our expectations and projects very positively into the future. Within this context, we recently signed a strategic partnership with a systems integrator that will allow us to bring our identity protection offering to multiple banks.
Our traditional messaging business, for its part, maintained its usual pace, although with a new and relevant driver: the RCS (Rich Communications Services) messaging protocol. While in 2025 we had high expectations regarding the adoption of this communication standard, development was more gradual than anticipated. Nonetheless, we were able to deliver several compelling success cases in Spain and France. In LATAM, excluding Brazil, adoption of this standard has been slower, but we remain convinced of its potential, and RCS will continue to be a priority focus.
By 2026, this transformation is likely to be consolidated. The growing prominence of mobile identity will be driven by its integration into large-scale technology ecosystems, with companies such asGoogle already embedding mobile-identity-based authentication tools into their developer platforms.
Mobile identity APIs will definitely move from theory to practice, and they will do so at scale. In many cases, users will not even be aware of the process, as these are silent authentication mechanisms that operate in the background. This model has gained strong momentum because it combines two key advantages: a substantially higher level of security and a much more convenient user experience, by eliminating the need for passwords. The change will be perceived in the ease of use of applications and in the fluidity of the customer journey.
Compared with traditional SMS-based OTP authentication, mobile-identity-based verification significantly reduces both validation time and user friction. These capabilities will be available, for example, through platforms such as Firebase, which will facilitate adoption by developers and organizations of all types.
From a market perspective, the mobile identity APIs with the greatest impact will be, first, those linked to silent authentication, due to the volume of operations they enable. Second, Know Your Customer (KYC Match) solutions will stand out, allowing user-provided data to be matched against information managed by mobile network operators.
Other tools of high value for the fintech and banking ecosystem are customer insight APIs, which return key scoring indicators to assess a customer’s trustworthiness. In Latin America, where a significant portion of the population lacks a robust credit history, this typeof solution is especially relevant for expanding access to microcredit and advancing financial inclusion.
In addition, there is a set of APIs focused on fraud prevention—such as SIM Swap detection or device location verification—which, when combined, make it possible to significantly strengthen transaction security and better protect users.
In 2026, the authentication and verification ecosystem will be characterized by a high degree of complementarity between different solutions: risk management, biometrics, scoring, mobile identity, and other security technologies will converge to more effectively mitigate the challenge of cybercrime.
In the field of omnichannel messaging, platforms will continue to integrate advanced functionalities, such as artificial intelligence agents capable of managing conversations and suggesting the most appropriate communication channel for each customer. At the same time, the advance of automation and richer channels such as WhatsApp and RCS will expand the fraud exposure surface, driving the incorporation of new security and verification capabilities. In this context, we believe that RCS adoption will finally gain the expected momentum: in Latin America, Brazil already shows particularly accelerated growth, while in other countries, adoption is progressing more gradually. In Europe, markets such as France and Spain are experiencing steady and rapid progress.
At Plusmo, we have ambitious plans for 2026and approach this new cycle with enthusiasm. It will be a year focused on innovation, in which we will continue collaborating with companies across different industries to strengthen identity protection and optimize omnichannel communication. We will also develop tools that facilitate digital payments and solutions that interconnect objects and devices within the Internet of Things(IoT) paradigm.
We close 2025 by thanking our clients, partners, and teams for their trust, and by renewing our commitment to continue building more secure, simpler, and scalable solutions in 2026.
