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1889193

全球數位匯款市場：預測（至2032年）－按類型、通路、匯款方式、支付工具、應用、最終用戶和地區進行分析

Digital Remittance Market Forecasts to 2032 - Global Analysis By Type (Inbound Digital Remittance and Outbound Digital Remittance), Channel, Mode of Transfer, Payment Method, Application, End User and By Geography
出版日期: | 出版商: Stratistics Market Research Consulting | 英文 | 商品交期: 2-3個工作天內

價格

根據 Stratistics MRC 的一項研究，預計到 2025 年，全球數位匯款市場規模將達到 290.5847 億美元，到 2032 年將達到 964.7789 億美元，預測期內複合年成長率為 18.7%。

數位匯款是指在國外工作的工人和移民透過行動和線上系統，以電子方式向其本國的收款人匯款的過程。它無需現金交易，提供了更快、更安全、成本更低的替代方案。用戶可以使用數位錢包、應用程式和網路銀行，以比傳統方式更快、更透明、更易於追蹤的方式進行資金轉賬，從而簡化了整體匯款體驗。

根據世界銀行集團的數據，2023年美國個人匯款收入為77.4億美元。

國際移民和勞動力流動性日益增強

隨著越來越多的人為了工作、教育和季節性勞動而移居他國，對快速便捷的匯款方式的需求日益成長。數位平台使移民無需前往實體代理點即可即時匯款。行動錢包、應用程式匯款和低成本的線上管道正成為跨境交易的首選。即時追蹤和透明的費用吸引了首次匯款人和多次匯款人。這種跨境人口流動仍然是推動數位匯款普及的主要因素。

網路安全風險與資料隱私問題

用戶越來越關注其財務數據、身份驗證資訊和交易詳情的儲存和共用方式。敏感資料的外洩或濫用會嚴重損害客戶信任。服務供應商必須大力投資加密技術、反詐騙工具以及遵守國際隱私法規。額外的身份驗證程序和安全認證機制也變得至關重要。

企業和中小企業的國際匯款

與傳統銀行管道相比，許多中小企業依賴匯款平台，以獲得更快的支付、更低的費用和更高的流動性。數位化解決方案有助於簡化供應商付款、出口結算和海外薪水支付流程。隨著全球電子商務和遠距辦公的蓬勃發展，中小企業越來越傾向於選擇靈活的線上付款管道。提供多幣種錢包和自動開票功能的供應商預計將獲得顯著成長。這種不斷成長的業務需求為數位匯款公司提供了強勁的發展前景。

數位基礎設施和互通性挑戰

寬頻存取受限和網路穩定性差會阻礙交易流程，尤其是在農村和低度開發地區。支付系統、銀行和行動錢包之間的互通性問題進一步加劇了跨境匯款的複雜性。由於系統不相容和技術框架過時，用戶可能會面臨延遲和故障。服務提供者必須應對複雜的技術環境才能確保連線順暢。這些限制持續威脅數位匯款解決方案的速度、可靠性和擴充性。

新冠疫情的感染疾病：

疫情期間，由於實體代理點數量有限，數位匯款管道的普及速度顯著加快。在出行限制措施下，務工人員紛紛轉向線上平台以維持生計。然而，經濟的不確定性和失業潮導致多個國家的匯款量出現波動。數位平台受益於人們日益成長的認知度和便利性。即使在疫情結束後，遠距辦公的持續存在和數位化優先的金融習慣也支撐了數位平台的持續使用。這次危機凸顯了安全、非接觸式和快速的匯款方式在全球動盪時期所扮演的關鍵角色。

預測期內，跨國數位匯款領域將佔據最大的市場佔有率。

預計在預測期內，出境數字匯款將佔據最大的市場佔有率。這主要歸因於越來越多的移民向其祖國匯款。不斷完善的行動支付生態系統和低廉的數位匯款費用是推動這一趨勢的主要因素。與傳統匯款代理商相比，用戶更傾向於選擇便利快速的線上管道。智慧型手機和金融應用程式的普及進一步推動了這一趨勢。即時支付功能的出現，使得出境匯款對各個收入群體更具吸引力。

預測期內，中小企業板塊的複合年成長率將最高。

預計在預測期內，中小企業 (SME) 領域將實現最高成長率，這主要得益於其對跨境數位化支付工具日益成長的依賴。中小企業正在尋求高效、低成本的銀行通路替代方案來進行國際貿易交易。數位化平台提供透明、可預測的費用和快速的處理速度，有助於改善企業的現金流。與發票工具和多幣種帳戶的整合進一步提升了企業的便利性。全球線上市場的興起正在推動中小企業對國際支付能力的需求。

佔比最大的地區：

由於亞太地區擁有龐大的移民人口和快速發展的數位生態系統，預計在預測期內將佔據最大的市場佔有率。印度、中國和菲律賓等國是國際匯款的主要接收國和匯款國。智慧型手機的高普及率使得行動匯款服務廣泛應用。各國政府正大力推動無現金經濟和普惠金融舉措。金融科技的應用在都市區和農村地區都在迅速擴展。

複合年成長率最高的地區：

由於龐大的外籍勞工群體和不斷完善的數位金融基礎設施，預計中東和非洲地區在預測期內將實現最高的複合年成長率。數百萬外籍勞工居住在海灣國家，他們定期向家鄉匯款。非洲行動支付網路的擴張正在推動數位匯款工具的普及。不斷成長的金融科技投資和監管現代化正在增強人們對數位支付的信心。中東和非洲之間的跨境通道正日益實現數位融合。

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目錄

第1章執行摘要

第2章 引言

  • 概述
  • 相關利益者
  • 分析範圍
  • 分析方法
  • 分析材料

第3章 市場趨勢分析

  • 促進要素
  • 抑制因素
  • 機會
  • 威脅
  • 應用分析
  • 終端用戶分析
  • 新興市場
  • 新冠疫情的影響

第4章 波特五力分析

  • 供應商的議價能力
  • 買方議價能力
  • 替代產品的威脅
  • 新進入者的威脅
  • 競爭對手之間的競爭

5. 全球數位匯款市場（按類型分類）

  • 入境數位轉帳
  • 出境數位轉賬

6. 全球數位匯款市場（按通路分類）

  • 數位匯款服務供應商
  • 銀行
  • 行動錢包/電子錢包

7. 全球數位匯款市場（依匯款方式分類）

  • 線上（網路為基礎的轉帳）
  • 行動（基於應用程式的匯款）

8. 全球數位匯款市場按支付方式分類

  • 銀行轉帳
  • 簽帳金融卡/信用卡轉帳
  • 行動支付
  • 現金轉電子轉賬

9. 全球數位匯款市場（按應用分類）

  • 個人匯款
  • 商業匯款

第10章：全球數位匯款市場（以最終用戶分類）

  • 移徙工人/個人
  • 中小企業
  • 自由職業/零工經濟
  • 其他最終用戶

第11章：全球數位匯款市場（按地區分類）

  • 北美洲
    • 美國
    • 加拿大
    • 墨西哥
  • 歐洲
    • 德國
    • 英國
    • 義大利
    • 法國
    • 西班牙
    • 其他歐洲
  • 亞太地區
    • 日本
    • 中國
    • 印度
    • 澳洲
    • 紐西蘭
    • 韓國
    • 亞太其他地區
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 其他南美國家
  • 中東和非洲
    • 沙烏地阿拉伯
    • 阿拉伯聯合大公國
    • 卡達
    • 南非
    • 其他中東和非洲地區

第12章：主要趨勢

  • 合約、商業夥伴關係和合資企業
  • 企業合併（M&A）
  • 新產品上市
  • 業務拓展
  • 其他關鍵策略

第13章：企業概況

  • Western Union
  • Skrill
  • MoneyGram
  • Xpress Money
  • Wise
  • Nium
  • PayPal
  • TransferGo
  • Remitly
  • Payoneer
  • WorldRemit
  • Revolut
  • Ria Money Transfer
  • OFX
  • Nium
Product Code: SMRC32653

According to Stratistics MRC, the Global Digital Remittance Market is accounted for $29058.47 million in 2025 and is expected to reach $96477.89 million by 2032 growing at a CAGR of 18.7% during the forecast period. Digital remittance is the process of sending money electronically from overseas workers or migrants to beneficiaries in their native countries through mobile and online systems. By eliminating cash-driven transactions, it provides a quicker, safer, and more affordable alternative. Using digital wallets, apps, or online banking, users can transfer funds with better speed, transparency, and tracking features, making the overall remittance experience more efficient than traditional methods.

According to The World Bank Group, U.S. personal remittance received stood at USD 7.74 billion in 2023.

Market Dynamics:

Driver:

Increasing global migration and workforce mobility

As more people relocate for jobs, education, and seasonal work, the need for fast and affordable money transfers to home countries increases. Digital platforms enable migrants to send funds instantly without visiting physical agents. Mobile wallets, app-based transfers, and low-cost online channels are becoming the preferred choice for cross-border transactions. The convenience of real-time tracking and transparent fees attracts both first-time and repeat remitters. This movement of people across borders continues to be a major catalyst for digital remittance adoption.

Restraint:

Cybersecurity risks and data privacy concerns

Users are increasingly cautious about how their financial data, identity information, and transaction details are stored and shared. Any breach or misuse of sensitive data can seriously undermine customer trust. Service providers must invest heavily in encryption, fraud prevention tools, and compliance with global privacy regulations. Additional verification steps and secure authentication mechanisms are becoming essential.

Opportunity:

B2B and SME cross-border payments

Many SMEs rely on remittance platforms for faster settlements, lower fees, and improved liquidity compared to traditional banking channels. Digital solutions help businesses streamline supplier payments, export settlements, and overseas payroll processes. As global e-commerce and remote work expand, SMEs increasingly prefer flexible online payment platforms. Providers offering multi-currency wallets and automated invoicing stand to gain significant traction. This growing business demand presents a strong growth avenue for digital remittance companies.

Threat:

Digital infrastructure and interoperability gaps

Limited broadband access and inconsistent network reliability can disrupt transaction flows, especially in rural or underserved regions. Interoperability issues between payment systems, banks, and mobile wallets further complicate cross-border transfers. Users may face delays or failures due to incompatible systems or outdated technology frameworks. Providers must navigate complex technological landscapes to ensure smooth connectivity. These limitations pose ongoing threats to the speed, reliability, and scalability of digital remittance solutions.

Covid-19 Impact:

The pandemic significantly accelerated the adoption of digital remittance channels as physical agent locations faced restrictions. Migrant workers turned to online platforms to support families when mobility was limited. However, economic uncertainty and job losses caused fluctuations in remittance volumes in several countries. Digital platforms benefited from increased awareness and convenience-driven adoption. Post-pandemic, remote working patterns and digital-first financial habits supported sustained usage. The crisis highlighted the critical role of secure, contactless, and fast remittance options during global disruptions.

The outward digital remittance segment is expected to be the largest during the forecast period

The outward digital remittance segment is expected to account for the largest market share during the forecast period, due to the rising number of migrants sending money back home. Enhanced mobile payment ecosystems and affordable digital transfer fees strengthen this trend. Users prefer online channels for their convenience and speed compared to traditional remittance agents. Growing access to smartphones and financial apps is further accelerating usage. Real-time settlement features make outward transfers more appealing across different income groups.

The small businesses segment is expected to have the highest CAGR during the forecast period

Over the forecast period, the small businesses segment is predicted to witness the highest growth rate, driven by their increasing dependency on digital cross-border payment tools. SMEs are seeking efficient and low-cost alternatives to banking channels for global trade transactions. Digital platforms offer transparency, predictable fees, and faster processing, which support business cash flows. Integration with invoicing tools and multi-currency accounts enhances operational convenience. The rise of global online marketplaces fuels SME demand for international payment capabilities.

Region with largest share:

During the forecast period, the Asia Pacific region is expected to hold the largest market share, due to its vast migrant population and rapidly growing digital ecosystems. Countries like India, China, and the Philippines are major recipients and contributors to global remittance flows. High smartphone penetration makes mobile-based transfers widely accessible. Governments are promoting cashless economies and digital financial inclusion initiatives. Fintech adoption is expanding rapidly across both urban and rural areas.

Region with highest CAGR:

Over the forecast period, the Middle East & Africa region is anticipated to exhibit the highest CAGR, owing to its strong expatriate population and improving digital financial infrastructure. Gulf countries host millions of migrant workers who regularly send money home. Expanding mobile money networks in Africa are driving adoption of digital remittance tools. Increasing fintech investments and regulatory modernization are boosting confidence in digital payments. Cross-border corridors between the Middle East and Africa are becoming more digitally integrated.

Key players in the market

Some of the key players in Digital Remittance Market include Western U, Skrill, MoneyGram, Xpress Mo, Wise, Nium, PayPal, TransferGo, Remitly, Payoneer, WorldRem, Revolut, Ria Money, OFX, and Nium.

Key Developments:

In November 2025, Western University of Health Sciences celebrated a strategic partnership with Kern Medical, California State University, Bakersfield (CSUB), and Bakersfield College that addresses a critical shortage of health care providers in Kern County by developing home-grown physicians who will train and practice there.

In October 2025, MoneyGram announced a strategic partnership with myZoi, a UAE-based fintech focused on financial inclusion and financial literacy for the underbanked. Through the integration of MoneyGram's global money transfer infrastructure, myZoi enables its customers to send money quickly and reliably to more than five billion digital endpoints and nearly 500,000 MoneyGram locations across over 200 countries and territories.

Types Covered:

  • Inbound Digital Remittance
  • Outbound Digital Remittance

Channels Covered:

  • Digital Money Transfer Operators
  • Banks
  • Mobile Wallets / E-Wallets

Modes of Transfer Covered:

  • Online (Web-Based Transfers)
  • Mobile (App-Based Transfers)

Payment Methods Covered:

  • Bank Transfer
  • Debit/Credit Card Transfer
  • Mobile Money
  • Cash-to-Digital

Applications Covered:

  • Personal Remittances
  • Business Remittances

End Users Covered:

  • Migrant Workers / Individuals
  • Small & Medium Enterprises (SMEs)
  • Freelancers / Gig Economy
  • Other End Users

Regions Covered:

  • North America
    • US
    • Canada
    • Mexico
  • Europe
    • Germany
    • UK
    • Italy
    • France
    • Spain
    • Rest of Europe
  • Asia Pacific
    • Japan
    • China
    • India
    • Australia
    • New Zealand
    • South Korea
    • Rest of Asia Pacific
  • South America
    • Argentina
    • Brazil
    • Chile
    • Rest of South America
  • Middle East & Africa
    • Saudi Arabia
    • UAE
    • Qatar
    • South Africa
    • Rest of Middle East & Africa

What our report offers:

  • Market share assessments for the regional and country-level segments
  • Strategic recommendations for the new entrants
  • Covers Market data for the years 2024, 2025, 2026, 2028, and 2032
  • Market Trends (Drivers, Constraints, Opportunities, Threats, Challenges, Investment Opportunities, and recommendations)
  • Strategic recommendations in key business segments based on the market estimations
  • Competitive landscaping mapping the key common trends
  • Company profiling with detailed strategies, financials, and recent developments
  • Supply chain trends mapping the latest technological advancements

Free Customization Offerings:

All the customers of this report will be entitled to receive one of the following free customization options:

  • Company Profiling
    • Comprehensive profiling of additional market players (up to 3)
    • SWOT Analysis of key players (up to 3)
  • Regional Segmentation
    • Market estimations, Forecasts and CAGR of any prominent country as per the client's interest (Note: Depends on feasibility check)
  • Competitive Benchmarking
    • Benchmarking of key players based on product portfolio, geographical presence, and strategic alliances

Table of Contents

1 Executive Summary

2 Preface

  • 2.1 Abstract
  • 2.2 Stake Holders
  • 2.3 Research Scope
  • 2.4 Research Methodology
    • 2.4.1 Data Mining
    • 2.4.2 Data Analysis
    • 2.4.3 Data Validation
    • 2.4.4 Research Approach
  • 2.5 Research Sources
    • 2.5.1 Primary Research Sources
    • 2.5.2 Secondary Research Sources
    • 2.5.3 Assumptions

3 Market Trend Analysis

  • 3.1 Introduction
  • 3.2 Drivers
  • 3.3 Restraints
  • 3.4 Opportunities
  • 3.5 Threats
  • 3.6 Application Analysis
  • 3.7 End User Analysis
  • 3.8 Emerging Markets
  • 3.9 Impact of Covid-19

4 Porters Five Force Analysis

  • 4.1 Bargaining power of suppliers
  • 4.2 Bargaining power of buyers
  • 4.3 Threat of substitutes
  • 4.4 Threat of new entrants
  • 4.5 Competitive rivalry

5 Global Digital Remittance Market, By Type

  • 5.1 Introduction
  • 5.2 Inbound Digital Remittance
  • 5.3 Outbound Digital Remittance

6 Global Digital Remittance Market, By Channel

  • 6.1 Introduction
  • 6.2 Digital Money Transfer Operators
  • 6.3 Banks
  • 6.4 Mobile Wallets / E-Wallets

7 Global Digital Remittance Market, By Mode of Transfer

  • 7.1 Introduction
  • 7.2 Online (Web-Based Transfers)
  • 7.3 Mobile (App-Based Transfers)

8 Global Digital Remittance Market, By Payment Method

  • 8.1 Introduction
  • 8.2 Bank Transfer
  • 8.3 Debit/Credit Card Transfer
  • 8.4 Mobile Money
  • 8.5 Cash-to-Digital

9 Global Digital Remittance Market, By Application

  • 9.1 Introduction
  • 9.2 Personal Remittances
  • 9.3 Business Remittances

10 Global Digital Remittance Market, By End User

  • 10.1 Introduction
  • 10.2 Migrant Workers / Individuals
  • 10.3 Small & Medium Enterprises (SMEs)
  • 10.4 Freelancers / Gig Economy
  • 10.5 Other End Users

11 Global Digital Remittance Market, By Geography

  • 11.1 Introduction
  • 11.2 North America
    • 11.2.1 US
    • 11.2.2 Canada
    • 11.2.3 Mexico
  • 11.3 Europe
    • 11.3.1 Germany
    • 11.3.2 UK
    • 11.3.3 Italy
    • 11.3.4 France
    • 11.3.5 Spain
    • 11.3.6 Rest of Europe
  • 11.4 Asia Pacific
    • 11.4.1 Japan
    • 11.4.2 China
    • 11.4.3 India
    • 11.4.4 Australia
    • 11.4.5 New Zealand
    • 11.4.6 South Korea
    • 11.4.7 Rest of Asia Pacific
  • 11.5 South America
    • 11.5.1 Argentina
    • 11.5.2 Brazil
    • 11.5.3 Chile
    • 11.5.4 Rest of South America
  • 11.6 Middle East & Africa
    • 11.6.1 Saudi Arabia
    • 11.6.2 UAE
    • 11.6.3 Qatar
    • 11.6.4 South Africa
    • 11.6.5 Rest of Middle East & Africa

12 Key Developments

  • 12.1 Agreements, Partnerships, Collaborations and Joint Ventures
  • 12.2 Acquisitions & Mergers
  • 12.3 New Product Launch
  • 12.4 Expansions
  • 12.5 Other Key Strategies

13 Company Profiling

  • 13.1 Western Union
  • 13.2 Skrill
  • 13.3 MoneyGram
  • 13.4 Xpress Money
  • 13.5 Wise
  • 13.6 Nium
  • 13.7 PayPal
  • 13.8 TransferGo
  • 13.9 Remitly
  • 13.10 Payoneer
  • 13.11 WorldRemit
  • 13.12 Revolut
  • 13.13 Ria Money Transfer
  • 13.14 OFX
  • 13.15 Nium

List of Tables

  • Table 1 Global Digital Remittance Market Outlook, By Region (2024-2032) ($MN)
  • Table 2 Global Digital Remittance Market Outlook, By Type (2024-2032) ($MN)
  • Table 3 Global Digital Remittance Market Outlook, By Inbound Digital Remittance (2024-2032) ($MN)
  • Table 4 Global Digital Remittance Market Outlook, By Outbound Digital Remittance (2024-2032) ($MN)
  • Table 5 Global Digital Remittance Market Outlook, By Channel (2024-2032) ($MN)
  • Table 6 Global Digital Remittance Market Outlook, By Digital Money Transfer Operators (2024-2032) ($MN)
  • Table 7 Global Digital Remittance Market Outlook, By Banks (2024-2032) ($MN)
  • Table 8 Global Digital Remittance Market Outlook, By Mobile Wallets / E-Wallets (2024-2032) ($MN)
  • Table 9 Global Digital Remittance Market Outlook, By Mode of Transfer (2024-2032) ($MN)
  • Table 10 Global Digital Remittance Market Outlook, By Online (Web-Based Transfers) (2024-2032) ($MN)
  • Table 11 Global Digital Remittance Market Outlook, By Mobile (App-Based Transfers) (2024-2032) ($MN)
  • Table 12 Global Digital Remittance Market Outlook, By Payment Method (2024-2032) ($MN)
  • Table 13 Global Digital Remittance Market Outlook, By Bank Transfer (2024-2032) ($MN)
  • Table 14 Global Digital Remittance Market Outlook, By Debit/Credit Card Transfer (2024-2032) ($MN)
  • Table 15 Global Digital Remittance Market Outlook, By Mobile Money (2024-2032) ($MN)
  • Table 16 Global Digital Remittance Market Outlook, By Cash-to-Digital (2024-2032) ($MN)
  • Table 17 Global Digital Remittance Market Outlook, By Application (2024-2032) ($MN)
  • Table 18 Global Digital Remittance Market Outlook, By Personal Remittances (2024-2032) ($MN)
  • Table 19 Global Digital Remittance Market Outlook, By Business Remittances (2024-2032) ($MN)
  • Table 20 Global Digital Remittance Market Outlook, By End User (2024-2032) ($MN)
  • Table 21 Global Digital Remittance Market Outlook, By Migrant Workers / Individuals (2024-2032) ($MN)
  • Table 22 Global Digital Remittance Market Outlook, By Small & Medium Enterprises (SMEs) (2024-2032) ($MN)
  • Table 23 Global Digital Remittance Market Outlook, By Freelancers / Gig Economy (2024-2032) ($MN)
  • Table 24 Global Digital Remittance Market Outlook, By Other End Users (2024-2032) ($MN)

Note: Tables for North America, Europe, APAC, South America, and Middle East & Africa Regions are also represented in the same manner as above.