# Digitalization of financial and government services > Developing situation record from CLSTR: https://clstr.news/situations/digitalization-of-financial-and-government-services > Updated: 2026-11-01T23:53:14.000Z. Sources: 6. Developments: 2. The digitalization of financial transactions is significantly altering consumer service models and regulatory oversight. In Peru, the Central Reserve Bank noted a massive increase in digital payments per adult between 2019 and 2025, driven largely by digital wallets. While these tools provide traceable records that assist authorities in tracking illicit funds, the rise of crypto-assets has increased the scale of money laundering globally. Concurrently, government and service sectors are adopting digital tools to meet consumer demand for 24/7 accessibility. In Peru, the National Superintendency of Migrations partnered with the Yape platform to digitize passport-related fees, covering approximately 90% of the agency’s collections. Similarly, the United States Postal Service has integrated mobile tools to facilitate passport appointment scheduling and fee payments. ## Timeline ### 2026-11-01: Digital services launched for passport payments and appointments in Peru and the US Peru's Migraciones and Yape have integrated digital payments for passport services, while the USPS has launched mobile tools for passport appointment scheduling and fee payments in the US. 2 sources. https://clstr.news/cluster/digital-services-launched-for-passport-payments-and-appointments-in-peru-and-the-us ### 2026-10-30: Digitalization of payments drives shifts in consumer service and financial oversight Digital payment growth in Peru, driven by digital wallets, is transforming consumer service expectations and requiring enhanced oversight to combat rising money laundering via virtual assets. 4 sources. https://clstr.news/cluster/digitalization-of-payments-drives-shifts-in-consumer-service-and-financial-oversight --- Cite as: Digitalization of financial and government services. CLSTR, https://clstr.news/situations/digitalization-of-financial-and-government-services