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市場調查報告書
商品編碼
1776857

數位匯款的日本市場評估:匯款類別，各流通管道，各用途，各終端用戶，各地區，機會，預測(2019年度～2033年度)

Japan Digital Remittance Market Assessment, By Remittance Type, By Channel, By Application, By End-user, By Region, Opportunities and Forecast, FY2019-FY2033F
出版日期: | 出版商: Markets & Data | 英文 117 Pages | 商品交期: 3-5個工作天內

價格

日本數位匯款市場規模預計將從2025財年的17.3億美元成長至2033財年的28.7億美元，預測期間（2026財年-2033財年）的複合年增長率為6.55%。推動這一成長的因素是日本對外籍勞動力的日益依賴，尤其是在醫療保健、IT和製造業等行業，這推動了對快速、低成本跨境匯款的需求。銀行和傳統匯款業者（MTO）通常收取高額費用並提供不利的匯率，促使用戶尋求更便宜、更快捷的數位替代方案，例如Wise、Revolut和本地金融科技平台。此外，日本智慧型手機普及率高，且對數位支付應用的熟悉程度使其成為數位匯款成長的主要市場。

此外，企業並非僅提供支付便利，而是建構以移民、小型企業和無國界家庭為中心的生態系統。這並非僅僅是傳統匯款的數位化版本。日本推行無現金支付和金融科技友善政策（例如放寬小額匯款的KYC標準）也在推動數位匯款的普及。

例如，SBI Remit在2024年12月宣布其累計國際匯款額已超過125億美元。該公司將這一成長歸功於外籍勞工的快速普及以及其多語言、整合的工資匯款帳戶。

報告也指出，儘管新冠疫情導致經濟放緩，但日本的外籍勞工數量仍從2010年10月底的約65萬人增加到2023年10月底的約204萬人。預計未來幾年這一數字將進一步成長。

本報告調查並分析了日本的數位匯款市場，提供了市場規模和預測、市場動態以及主要公司的現狀。

目錄

第1章 計劃的範圍和定義

第2章 調查手法

第3章 摘要整理

第4章 客戶的迴響

  • 受訪者的人口統計
  • 數位匯款的認知度
  • 優先的流通管道(行動應用程式，Web入口網站，代理商)
  • 主要的促進因素與採用

第5章 日本的數位匯款市場預測(2019年度～2033年度)

  • 市場規模的分析與預測
    • 金額
  • 市場佔有率的分析與預測
    • 匯款類別
      • 被仕向匯款
      • 仕向匯款
    • 各流通管道
      • 只數位
      • 混合
    • 各用途
      • 移民匯款
      • 商務匯款
      • 其他
    • 各終端用戶
      • 個人
      • 企業
    • 各地區
      • 北部
      • 南部
      • 中部
    • 市場佔有率分析:各企業(前五名公司和其他)(金額)(2024年度)
  • 市場地圖分析(2025年度)
    • 匯款類別
    • 各流通管道
    • 各用途
    • 各終端用戶
    • 各地區

第6章 供需的分析

第7章 價值鏈分析

第8章 波特的五力分析

第9章 大環境分析

第10章 市場動態

  • 推動市場要素
  • 市場課題

第11章 市場趨勢與發展

第12章 平均交易額(最大努力原則)

第13章 案例研究

第14章 競爭情形

  • 前五名市場領導公司的競爭矩陣
  • 前五名公司的SWOT分析
  • 前十大主要企業的形勢
    • Western Union Holdings, Inc.
    • Rates and Fees
    • Wise Payments Japan K.K.
    • WorldRemit Ltd.
    • SBI Remit Co., Ltd.
    • Nium Pte. Ltd. (via Travelex partnership)
    • Kyodai Remittance Co., Ltd.
    • Rakuten Bank, Ltd.
    • Digital Wallet Corporation (Smiles Mobile Remittance)
    • MoneyGram International, Inc.
    • PayPal, Inc. (Xoom)

第15章 策略性建議

第16章 關於調查公司·免責聲明

Product Code: MX13744

Japan digital remittance market is projected to witness a CAGR of 6.55% during the forecast period FY2026-FY2033, growing from USD 1.73 billion in FY2025 to USD 2.87 billion in FY2033. The growth is driven by Japan's increasing reliance on foreign labor, particularly in sectors such as healthcare, IT, and manufacturing, which has heightened the need for fast and low-cost cross-border money transfers. Banks and conventional money transfer operators (MTOs) often charge high fees and offer unfavorable exchange rates, prompting users to seek cheaper, faster digital alternatives, such as Wise, Revolut, and local fintech platforms. In addition, high smartphone usage and familiarity with digital payment apps make Japan a ripe market for digital remittance growth.

Additionally, companies are not only facilitating payments; they are also building ecosystems around migrants, micro-enterprises, and borderless households. This is not just a digital version of old-school remittance. Japan's push for cashless payments and fintech-friendly policies (e.g., relaxed KYC norms for small remittances) has encouraged digital remittance adoption.

For instance, in December 2024, SBI Remit announced that its cumulative international remittances surpassed USD 12.5 billion. The company credited rapid adoption among foreign workers and salary-integrated remittance accounts in multiple languages for fueling growth.

It was also mentioned that the number of foreign workers in Japan grew from around 650,000 at the end of October 2010 to approximately 2.04 million by the end of October 2023, despite the slowdown caused by the COVID-19 pandemic. This figure is expected to rise even more rapidly in the coming years.

Rising Demand from Migrant Workers and Foreign Residents Fuels the Market Growth

Japan is home to over 3 million foreign residents, with the largest communities originating from Vietnam, China, the Philippines, and Brazil. These individuals routinely send small but frequent transfers to their families abroad, making low-cost, real-time digital services essential for their needs.

For instance, in December 2024, Smiles Mobile Remittance, Japan's leading mobile remittance service, announced a direct partnership with HDFC Bank, one of India's top banks. This collaboration promises better exchange rates, faster transfers, enhanced customer support, and increased loyalty rewards for users sending money to India. The partnership aims to further support the Indian community in Japan, with plans to expand services to Canada in the future.

Digital remittance is rising due to the demand for transparency, multilingual support, and mobile-first experiences. Japan's migrant-driven remittance flows are now digital by default.

Fintech-led Disruption by Domestic and Global Players Shapes the Market

Traditional remittance channels have long dominated until now. Fintechs and challenger banks are taking the reins, offering better UI, reduced fees, and instant delivery. It's not just competition, it's disintermediation.

In March 2024, Wise Japan launched a partnership with Seven Bank, allowing users to fund overseas transfers via Seven ATMs across Japan. This hybrid-digital access point combines Wise's mid-market rates with the convenience of Japan's most accessible ATM network. Meanwhile, SBI Remit expanded its real-time tie-ups with international partners, such as Tranglo and RippleNet, enabling the digital settlement of transactions across Southeast Asia and Latin America in seconds.

Outward Business Remittance Dominates the Japan Digital Remittance Market Share

Japan's digital remittance market is overwhelmingly dominated by outward business transactions, reflecting the country's export-driven economy and corporate globalization. As Japanese firms expand overseas operations, they increasingly rely on digital remittance platforms for supplier payments, subsidiary funding, and expatriate payroll, seeking faster processing and better exchange rates than traditional banks offer. Fintech solutions like Wise, Revolut, and GMO Payment Gateway have gained traction by addressing corporate needs for cost efficiency and regulatory compliance. While personal remittances by migrant workers remain steady, business-to-business (B2B) transfers account for the largest market share, accelerated by Japan's push for cashless solutions and streamlined cross-border payment policies for SMEs. This trend highlights the critical role of digital remittance in facilitating Japan's international trade and investment flows.

For instance, in January 2024, Rakuten Bank launched a streamlined international transfer service for SMEs and small traders, slashing processing fees by up to 50% and integrating it within its corporate banking portal. The service saw over 18,000 signups in the first quarter alone, with volumes rising in Vietnam, India, and Thailand. It has also announced that it has surpassed 15 million customers as of February 2024. As SMEs digitalize their procurement and outsourcing, they are seeking payment partners who understand the importance of speed, currency spread, and audit compliance. Remittance tools are now business utilities.

Key Players Landscape and Outlook

Japan's digital remittance market is a tug-of-war between legacy players and fintech insurgents. Western Union and MoneyGram still serve brick-and-mortar users, but their relevance is fading in the app age. Wise, WorldRemit, and PayPal (Xoom) are expanding their market share through seamless user experiences, transparent fees, and cloud-native operations. Local players are adapting fast. SBI Remit, Kyodai Remittance, and Digital Wallet Corp. offer local language interfaces, low-fee corridors to Southeast Asia, and mobile-native apps tailored for migrants. Rakuten Bank and SBI Shinsei are developing B2B capabilities within their banking platforms, targeting small business remitters. The space is competitive, API-heavy, and increasingly B2B-friendly. Whoever delivers real-time value at the correct foreign exchange rate is going to win.

For example, in October 2024, Wise Japan became the first non-bank, non-corporate entity to gain direct access to Japan's Zengin domestic clearing network. This eliminated intermediary steps, significantly reducing processing times and fees. It also powers some of the largest banks and businesses in the world, enabling them to offer faster and more efficient cross-border payments to their customers through Wise's Platform, Wise's infrastructure solution.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customers

  • 4.1. Respondent Demographics
  • 4.2. Awareness of Digital Remittance
  • 4.3. Preferred Channels (Mobile Apps, Web Portals, Agents)
  • 4.4. Key Drivers and Adoption

5. Japan Digital Remittance Market Outlook, FY2019-FY2033F

  • 5.1. Market Size Analysis & Forecast
    • 5.1.1. By Value
  • 5.2. Market Share Analysis & Forecast
    • 5.2.1. By Remittance Type
      • 5.2.1.1. Inward Remittance
      • 5.2.1.2. Outward Remittance
    • 5.2.2. By Channel
      • 5.2.2.1. Digital-Only
      • 5.2.2.2. Hybrid
    • 5.2.3. By Application
      • 5.2.3.1. Migrant Remittance
      • 5.2.3.2. Business Remittance
      • 5.2.3.3. Others
    • 5.2.4. By End-user
      • 5.2.4.1. Personal
      • 5.2.4.2. Business
    • 5.2.5. By Region
      • 5.2.5.1. North
      • 5.2.5.2. South
      • 5.2.5.3. Central
    • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
  • 5.3. Market Map Analysis, FY2025
    • 5.3.1. By Remittance Type
    • 5.3.2. By Channel
    • 5.3.3. By Application
    • 5.3.4. By End-user
    • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

  • 10.1. Market Drivers
  • 10.2. Market Challenges

11. Market Trends and Developments

12. Average Transaction Value (Best Effort Basis)

13. Case Studies

14. Competitive Landscape

  • 14.1. Competition Matrix of Top 5 Market Leaders
  • 14.2. SWOT Analysis for Top 5 Players
  • 14.3. Key Players Landscape for Top 10 Market Players
    • 14.3.1. Western Union Holdings, Inc.
      • 14.3.1.1. Company Details
      • 14.3.1.2. Key Management Personnel
      • 14.3.1.3. Products and Services
      • 14.3.1.4. Financials (As Reported)
      • 14.3.1.5. Rates and Fees
      • 14.3.1.6. Key Market Focus and Geographical Presence
      • 14.3.1.7. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
    • 14.3.2. Wise Payments Japan K.K.
    • 14.3.3. WorldRemit Ltd.
    • 14.3.4. SBI Remit Co., Ltd.
    • 14.3.5. Nium Pte. Ltd. (via Travelex partnership)
    • 14.3.6. Kyodai Remittance Co., Ltd.
    • 14.3.7. Rakuten Bank, Ltd.
    • 14.3.8. Digital Wallet Corporation (Smiles Mobile Remittance)
    • 14.3.9. MoneyGram International, Inc.
    • 14.3.10. PayPal, Inc. (Xoom)

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer

List of Tables

  • Table 1. Competition Matrix of Top 5 Market Leaders
  • Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
  • Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

  • Figure 1. Japan Digital Remittance Market, By Value, In USD Billion, FY2019-FY2033F
  • Figure 2. Japan Digital Remittance Market Share (%), By Remittance Type, FY2019-FY2033F
  • Figure 3. Japan Digital Remittance Market Share (%), By Channel, FY2019-FY2033F
  • Figure 4. Japan Digital Remittance Market Share (%), By Application, FY2019-FY2033F
  • Figure 5. Japan Digital Remittance Market Share (%), By End-user, FY2019-FY2033F
  • Figure 6. Japan Digital Remittance Market Share (%), By Region, FY2019-FY2033F
  • Figure 7. By Remittance Type Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 8. By Channel Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 9. By Application Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 10. By End-user Type Map-Market Size (USD Billion) & Growth Rate (%), FY2025
  • Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2025