What Can US and European Fintechs Learn from India’s UPI and Brazil’s Pix?

I am a business and ops guy who happens to be very good with LLMs. I help founders and small teams clean up messy workflows, plug in simple AI assistants, and turn ideas into clear content and documentation. No overbuilt systems, no hype. Just faster processes, less busywork, and humans doing more of the thinking they are actually paid for.