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2023-2030 年全球匯款市場
市場調查報告書
商品編碼
1217559

2023-2030 年全球匯款市場

Global Remittance Market - 2023-2030
出版日期: | 出版商: DataM Intelligence | 英文 205 Pages | 商品交期: 約2個工作天內

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簡介目錄

市場概覽

全球匯款市場預計在預測期內 (2023-2030) 將顯著增長。

從一方發送到另一方的錢稱為轉賬。 匯款可以廣義地定義為票據或響應票據的付款。 匯款是外國移民使用電子資金轉賬、匯票、支票等進行的跨境資金流動。

此外，大多數匯款服務提供商都在強調數位彙款以擴大業務並為其客戶提供更快、更輕鬆的匯款選擇。 使用數位渠道匯款具有速度快、24小時可用、透明、方便、安全性高等諸多優勢，可為匯款行業提供廣泛的選擇。

市場動態

推動市場擴張的主要因素是匯款成本和處理時間的減少，以及跨境交易的增加。 然而，缺乏對匯款運作方式的了解阻礙了該部門的擴張。

降低傳輸成本和傳輸時間

隨著用於匯款的數位彙款網絡（包括移動電話技術、移動貨幣、數位貨幣、分佈式賬本和電子身份）的激增，跨境支付變得便宜、快速、可審計並且每個人都可以使用。現在這已成為可能。 數位彙款的擴展預計將減少對現金代理的依賴，現金代理在發送國和接收國都保持著高昂的交易成本。

它還有望減少與安全和 KYC（了解您的客戶計劃）相關的許多風險、困難和成本。 因此，銀行和匯款運營商可以使用數位技術以比傳統銷售點服務低得多的成本提供匯款服務，從而促進該地區接受數位彙款。 此外，採用最新技術和政府主導的宣傳活動大大降低了匯款成本。

跨境貿易增加

亞太支付趨勢的主導因素是跨境交易的增加以及向移動銀行和基於移動的支付解決方案的轉變，預計這將刺激匯款行業的擴張。. 此外，這是由於不斷增加的全球移民、國際貿易和不斷變化的經濟模式。 此外，隨著近期跨境支付的發展，實時國際支付可能成為現實。

隨著匯款市場的發展，許多機構正在採用以關係為中心的策略來提供準時的跨境匯款和增值服務。 例如，2022 年 9 月，匯豐印度推出了 HSBC UniTransact，這是一項旨在簡化國際交易的數位服務。 該服務是一種一站式服務，可無縫集成所有與銀行相關的組件，同時最大限度地減少整個交易過程中的人工干預。

認知度低

預計市場擴張將受到消費者對數位彙款服務的了解程度低和匯款成本高的阻礙。 此外，恐怖主義融資和洗錢等安全障礙可能會影響預測期內市場擴張的潛力。 網絡攻擊和安全缺陷使市場擴張潛力變得脆弱。

COVID-19 影響分析

由於COVID-19全球疫情的蔓延和持續的經濟危機，農民工的匯款減少，對匯款行業的需求減少。 此外，世界銀行移民與發展簡報中公佈的最新預測顯示，與 2020 年 COVID-19 之前的水平相比，到 2022 年將下降 14%。

預計 2021 年流向低收入和中等收入國家 (LMIC) 的匯款將下降 7.0% 至 5080 億美元，然後在 2022 年下降 7.5% 至 4700 億美元。 移民接收國的經濟增長和就業水平、低油價以及來源國貨幣對美元貶值是造成匯款行業下滑的主要原因。 此外，數位支付在新興國家越來越受歡迎，電子錢包作為現金替代品的使用正在顯著擴大。 此外，移動貨幣服務的使用在低收入和中等收入國家穩步增加。

內容

第 1 章全球匯款市場的研究方法和範圍

  • 調查方法
  • 調查目的和範圍

第 2 章。全球匯款市場 - 市場定義和概述

第 3 章全球匯款市場 – 執行摘要

  • 按產品細分的市場
  • 按應用劃分的市場細分
  • 最終用戶的市場細分
  • 按地區劃分的市場細分

第 4 章全球匯款市場 - 市場動態

  • 市場影響因素
    • 司機
      • 減少匯款成本和匯款時間
      • 跨境交易增加
    • 約束因素
      • 認知度低
    • 商機
    • 影響分析

第 5 章全球匯款市場 - 行業分析

  • 波特的五力分析
  • 供應鏈分析
  • 定價分析
  • 監管分析

第 6 章全球匯款市場 - COVID-19 分析

  • COVID-19 市場分析
    • 引入 COVID-19 之前的市場情景
    • COVID-19 的當前市場情景
    • COVID-19 後或未來情景
  • COVID-19 期間的定價動態
  • 供需範圍
  • 大流行期間與市場相關的政府舉措
  • 製造商的戰略舉措
  • 總結

第 7 章全球匯款市場 - 按產品分類

  • 銀行轉帳服務
  • 匯款應用
  • 其他

第 8 章全球匯款市場 - 按應用

  • 消費
  • 儲蓄
  • 投資

第 9 章全球匯款市場 - 按最終用戶分類

  • 個人
  • 商業
  • 公開

第 10 章全球匯款市場 - 按地區

  • 北美
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 德國
    • 英國
    • 法國
    • 意大利
    • 西班牙
    • 其他歐洲
  • 南美洲
    • 巴西
    • 阿根廷
    • 其他南美洲
  • 亞太地區
    • 中國
    • 印度
    • 日本
    • 澳大利亞
    • 其他亞太地區
  • 中東和非洲

第 11 章全球匯款市場 - 競爭格局

  • 競爭場景
  • 市場情況/份額分析
  • 併購分析

第 12 章全球匯款市場 - 公司簡介

  • 美國銀行
    • 公司簡介
    • 產品組合和說明
    • 主要亮點
    • 財務摘要
  • Citigroup Inc.
  • JP Morgan Chase & Co.
  • Moneygram International Inc.
  • WorldRemit Ltd.
  • Ria Financial Outward Remittance
  • Banco Bradesco Sa
  • Euronet globally, Inc.
  • Azimo Ltd.
  • TransferWise Ltd.

第13章 重要考察

第14章 DataM

簡介目錄
Product Code: DMICT6219

Market Overview

The global remittance market size was worth US$ XX million in 2022 and is estimated to reach US$ XX million by 2030, growing at a CAGR of YY% during the forecast period (2023-2030).

Money sent from one party to another is referred to as a remittance. Remittances can broadly be defined as any payment made in response to an invoice or bill. Remittances are cross-border transfers of funds made by foreign migrants using electronic funds transfers, draughts and checks.

Additionally, most remittance service providers emphasize digital remittance to grow their businesses and offer customers faster and easier transfer options. The use of digital channels, which have many advantages, including fast speed, availability 24 hours a day, transparency, convenience of use, high security and others, to transmit money opens up a wide range of options for the remittance sector.

Market Dynamics

The primary drivers of market expansion are the decline in remittance expenses and processing times and the rise in cross-border transactions. But a lack of knowledge about remittance mechanisms can prevent the sector from expanding.

Reducing remittance costs and transfer time

Due to the widespread usage of digital transfer networks for sending money, such as mobile phone technology, mobile money, digital currencies, distributed ledgers, electronic identities and others, cross-border payments have become inexpensive, rapid, auditable and available to everyone. The expansion of digital remittance is anticipated to lessen reliance on cash agents, which is currently maintaining high transaction costs in sending and receiving nations.

It is also anticipated to reduce many risks, difficulties and expenses related to security and know-your-customer programs (KYC). As a result, digital technology is used by banks and money transfer businesses to provide remittance services at significantly lower costs than traditional over-the-counter services, encouraging acceptance of digital remittance in the region. Furthermore, remittance expenses are greatly reduced through the employment of contemporary technologies and government-led public awareness campaigns.

The increasing cross-border transactions

Payment trends in Asia-Pacific are dominated by an increase in cross-border transactions and a shift toward mobile banking and mobile-based payment solutions, which is anticipated to fuel the expansion of the remittance sector. Additionally, due to increased global migration, international trade and changing economic patterns. Real-time international payments may also become a reality due to recent cross-border payment developments.

As the remittance market expands, numerous institutions are working to provide on-time cross-border remittances and value-added services by employing a relationship-centric strategy. For instance, in September 2022, HSBC India introduced HSBC UniTransact, a digital offering designed to simplify international transactions. The service is a one-stop shop that gives customers the seamless integration of all transaction banking-related components while minimizing manual intervention throughout the transaction journey.

The lack of awareness

Market expansion is anticipated to be hampered by low consumer knowledge of digital remittance services and high transfer costs. Additionally, security obstacles, including funding for terrorism and money laundering, may affect the market's possibilities for expansion during the projection period. The market's potential for cyberattacks and security lapses makes its potential for expansion vulnerable.

COVID-19 Impact Analysis

Due to the COVID-19 pandemic's global expansion and the ongoing economic crisis, less money was sent home by migrant workers, which reduced demand for the remittance sector. Furthermore, based on the most recent projections revealed in the Migration and Development Brief of the World Bank, it is anticipated to decrease by 14% by 2022 in comparison to the pre-COVID-19 levels in 2020.

Remittances to low- and middle-income countries (LMICs) are expected to decrease by 7.5% in 2022, to US$ 470 billion, after falling by 7.0% in 2021 to US$508 billion. Weak economic growth and job levels in migrant-hosting nations, low oil prices and currency devaluation of remittance-source nations relative to U.S. dollar are the main causes of the fall in the remittance industry. Furthermore, the use of e-wallet payments in place of cash has significantly expanded due to the rising adoption of digital payments in emerging economies. Additionally, low- and middle-income economies have seen a steady increase in the use of mobile money services.

Segment Analysis

By end-user, the remittance market is segmented into personal, business and public.

The rising global migration drives the growth of the personal segment

The personal segment is predicted to rule the market over the forecast period. Numerous new goods and services are being created to make it easier for customers to use their financial accounts. Additionally, it is anticipated that rising global migration will encourage employees to use digital remittance services to send money home.

Over the forecast period, it is anticipated that increasing smartphone and internet adoption will fuel the personal segment's growth. Innovative solutions are already starting to reshape the landscape of remittance services by providing senders of their families with greater convenience and lower costs.

Geographical Analysis

The growing adoption of mobile banking and cashless payments in Asia-Pacific

Due to the region's increasing immigrant population and increased acceptance of digital remittance, driven by quickly advancing technologies, changing customer expectations and a shifting legal environment, Asia-Pacific is predicted to experience the fastest growth. Each year, many residents of Asia-Pacific send thousands of trillions of dollars in remittances to their family, coworkers and business partners abroad.

Over the projected period, an increase in the region's use of banking and financial services is anticipated to fuel market expansion. The adoption of mobile banking, cashless transactions and mobile-based payment solutions is a major emphasis for economies like China and India, helping the growth of the regional market. Throughout the forecast period, the regional market is anticipated to see growth prospects due to increased competition from new competitors and a growing client base.

Competitive Landscape

The world's remittance market is only slightly fragmented. To strengthen their position in the market, prominent players are implementing various methods, including product innovation, partnerships, R&D projects, mergers & acquisitions, strategic joint ventures and geographic expansion. The management of money transfers between enterprises and between businesses and their clients is handled by money transfer software.

Major global remittance market companies include Bank of America, Citigroup Inc., JP Morgan Chase & Co., Moneygram International Inc., WorldRemit Ltd., Ria Financial Outward Remittance, Banco Bradesco Sa, Euronet globally, Inc., Azimo Ltd. and TransferWise Ltd.

WorldRemit Ltd.

Overview: A digital cross-border remittance company called WorldRemit offers remittance and international money transfer services in more than 130 countries and over 70 different currencies. Ismail Ahmed, Catherine Wines and Richard Igoe created it in 2010. Venture finance firms Accel Partners and Technology Crossover Ventures support WorldRemit (TCV). The company revealed a US$100 million Series B investment round headed by TCV in February 2015. John Rosenberg, the TCV General Partner, was also announced to join the board.

Product Portfolio: The company offers cross-border digital payment services of airtime top-up, bank transfer, cash pick-up and mobile money.

Key Development: WorldRemit Ltd. launched its money transfer services in Malaysia in August 2021, enabling users to send money to more than 130 destinations from Malaysia as well as 50 additional countries, including U.S. and UK Users can select from a variety of payout options for the recipient depending on their location, including payments to mobile wallets, bank deposits, mobile airtime top-ups and cash pick-up.

Why Purchase the Report?

  • Visualize the composition of the remittance market segmentation by product, application, end-user and region, highlighting the critical commercial assets and players.
  • Identify commercial opportunities in the remittance market by analyzing trends and co-development deals.
  • Excel data sheet with thousands of remittance market-level 4/5 segmentation points.
  • Pdf report with the most relevant analysis cogently put together after exhaustive qualitative interviews and in-depth market study.
  • Product mapping in excel for the key product of all major market players

The global remittance market report would provide access to an approx. 61 market data table, 52 figures and 205 pages.

Target Audience 2022

  • Remittance Service Providers/ Buyers
  • Industry Investors/Investment Bankers
  • Education & Research Institutes
  • Emerging Companies
  • Remittance Manufacturers

Table of Contents

1. Global Remittance Market Methodology and Scope

  • 1.1. Research Methodology
  • 1.2. Research Objective and Scope of the Report

2. Global Remittance Market - Market Definition and Overview

3. Global Remittance Market - Executive Summary

  • 3.1. Market Snippet By Product
  • 3.2. Market Snippet By Application
  • 3.3. Market Snippet By End-User
  • 3.4. Market Snippet By Region

4. Global Remittance Market-Market Dynamics

  • 4.1. Market Impacting Factors
    • 4.1.1. Drivers
      • 4.1.1.1. Reducing remittance costs and transfer time
      • 4.1.1.2. The increasing cross-border transactions
    • 4.1.2. Restraints
      • 4.1.2.1. The lack of awareness
      • 4.1.2.2. XX
    • 4.1.3. Opportunity
      • 4.1.3.1. XX
    • 4.1.4. Impact Analysis

5. Global Remittance Market - Industry Analysis

  • 5.1. Porter's Five Forces Analysis
  • 5.2. Supply Chain Analysis
  • 5.3. Pricing Analysis
  • 5.4. Regulatory Analysis

6. Global Remittance Market - COVID-19 Analysis

  • 6.1. Analysis of COVID-19 on the Market
    • 6.1.1. Before COVID-19 Market Scenario
    • 6.1.2. Present COVID-19 Market Scenario
    • 6.1.3. After COVID-19 or Future Scenario
  • 6.2. Pricing Dynamics Amid COVID-19
  • 6.3. Demand-Supply Spectrum
  • 6.4. Government Initiatives Related to the Market During Pandemic
  • 6.5. Manufacturers Strategic Initiatives
  • 6.6. Conclusion

7. Global Remittance Market - By Product

  • 7.1. Introduction
    • 7.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 7.1.2. Market Attractiveness Index, By Product
  • 7.2. Bank Money Transfer Service*
    • 7.2.1. Introduction
    • 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 7.3. Money Transfer App
  • 7.4. Others

8. Global Remittance Market - By Application

  • 8.1. Introduction
    • 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 8.1.2. Market Attractiveness Index, By Application
  • 8.2. Consumption*
    • 8.2.1. Introduction
    • 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 8.3. Savings
  • 8.4. Investment

9. Global Remittance Market - By End-User

  • 9.1. Introduction
    • 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 9.1.2. Market Attractiveness Index, By End-User
  • 9.2. Personal*
    • 9.2.1. Introduction
    • 9.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 9.3. Business
  • 9.4. Public

10. Global Remittance Market - By Region

  • 10.1. Introduction
  • 10.2. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
  • 10.3. Market Attractiveness Index, By Region
  • 10.4. North America
    • 10.4.1. Introduction
    • 10.4.2. Key Region-Specific Dynamics
    • 10.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.4.6.1. U.S.
      • 10.4.6.2. Canada
      • 10.4.6.3. Mexico
  • 10.5. Europe
    • 10.5.1. Introduction
    • 10.5.2. Key Region-Specific Dynamics
    • 10.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.5.6.1. Germany
      • 10.5.6.2. UK
      • 10.5.6.3. France
      • 10.5.6.4. Italy
      • 10.5.6.5. Spain
      • 10.5.6.6. Rest of Europe
  • 10.6. South America
    • 10.6.1. Introduction
    • 10.6.2. Key Region-Specific Dynamics
    • 10.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.6.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.6.6.1. Brazil
      • 10.6.6.2. Argentina
      • 10.6.6.3. Rest of South America
  • 10.7. Asia-Pacific
    • 10.7.1. Introduction
    • 10.7.2. Key Region-Specific Dynamics
    • 10.7.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.7.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.7.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.7.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.7.6.1. China
      • 10.7.6.2. India
      • 10.7.6.3. Japan
      • 10.7.6.4. Australia
      • 10.7.6.5. Rest of Asia-Pacific
  • 10.8. Middle East and Africa
    • 10.8.1. Introduction
    • 10.8.2. Key Region-Specific Dynamics
    • 10.8.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.8.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.8.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User

11. Global Remittance Market - Competitive Landscape

  • 11.1. Competitive Scenario
  • 11.2. Market Positioning/Share Analysis
  • 11.3. Mergers and Acquisitions Analysis

12. Global Remittance Market - Company Profiles

  • 12.1. Bank of America
    • 12.1.1. Company Overview
    • 12.1.2. Product Portfolio and Description
    • 12.1.3. Key Highlights
    • 12.1.4. Financial Overview
  • 12.2. Citigroup Inc.
  • 12.3. JP Morgan Chase & Co.
  • 12.4. Moneygram International Inc.
  • 12.5. WorldRemit Ltd.
  • 12.6. Ria Financial Outward Remittance
  • 12.7. Banco Bradesco Sa
  • 12.8. Euronet globally, Inc.
  • 12.9. Azimo Ltd.
  • 12.10. TransferWise Ltd.

LIST NOT EXHAUSTIVE

13. Global Remittance Market - Premium Insights

14. Global Remittance Market - DataM

  • 14.1. Appendix
  • 14.2. About Us and Others
  • 14.3. Contact Us