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2023-2030 年全球汇款市场
市场调查报告书
商品编码
1217559

2023-2030 年全球汇款市场

Global Remittance Market - 2023-2030
出版日期: | 出版商: DataM Intelligence | 英文 205 Pages | 商品交期: 最快1-2个工作天内

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简介目录

市场概览

全球汇款市场预计在预测期内 (2023-2030) 将显着增长。

从一方发送到另一方的钱称为转账。 汇款可以广义地定义为票据或响应票据的付款。 汇款是外国移民使用电子资金转账、汇票、支票等进行的跨境资金流动。

此外，大多数汇款服务提供商都在强调数位彙款以扩大业务并为其客户提供更快、更轻鬆的汇款选择。 使用数位渠道汇款具有速度快、24小时可用、透明、方便、安全性高等诸多优势，可为汇款行业提供广泛的选择。

市场动态

推动市场扩张的主要因素是汇款成本和处理时间的减少，以及跨境交易的增加。 然而，缺乏对汇款运作方式的了解阻碍了该部门的扩张。

降低传输成本和传输时间

随着用于汇款的数位彙款网络（包括移动电话技术、移动货币、数位货币、分布式账本和电子身份）的激增，跨境支付变得便宜、快速、可审计并且每个人都可以使用。现在这已成为可能。 数位彙款的扩展预计将减少对现金代理的依赖，现金代理在发送国和接收国都保持着高昂的交易成本。

它还有望减少与安全和 KYC（了解您的客户计划）相关的许多风险、困难和成本。 因此，银行和汇款运营商可以使用数位技术以比传统销售点服务低得多的成本提供汇款服务，从而促进该地区接受数位彙款。 此外，采用最新技术和政府主导的宣传活动大大降低了汇款成本。

跨境贸易增加

亚太支付趋势的主导因素是跨境交易的增加以及向移动银行和基于移动的支付解决方案的转变，预计这将刺激汇款行业的扩张。. 此外，这是由于不断增加的全球移民、国际贸易和不断变化的经济模式。 此外，随着近期跨境支付的发展，实时国际支付可能成为现实。

随着汇款市场的发展，许多机构正在采用以关係为中心的策略来提供准时的跨境汇款和增值服务。 例如，2022 年 9 月，汇丰印度推出了 HSBC UniTransact，这是一项旨在简化国际交易的数位服务。 该服务是一种一站式服务，可无缝集成所有与银行相关的组件，同时最大限度地减少整个交易过程中的人工干预。

认知度低

预计市场扩张将受到消费者对数位彙款服务的了解程度低和汇款成本高的阻碍。 此外，恐怖主义融资和洗钱等安全障碍可能会影响预测期内市场扩张的潜力。 网络攻击和安全缺陷使市场扩张潜力变得脆弱。

COVID-19 影响分析

由于COVID-19全球疫情的蔓延和持续的经济危机，农民工的汇款减少，对汇款行业的需求减少。 此外，世界银行移民与发展简报中公布的最新预测显示，与 2020 年 COVID-19 之前的水平相比，到 2022 年将下降 14%。

预计 2021 年流向低收入和中等收入国家 (LMIC) 的汇款将下降 7.0% 至 5080 亿美元，然后在 2022 年下降 7.5% 至 4700 亿美元。 移民接收国的经济增长和就业水平、低油价以及来源国货币对美元贬值是造成汇款行业下滑的主要原因。 此外，数位支付在新兴国家越来越受欢迎，电子钱包作为现金替代品的使用正在显着扩大。 此外，移动货币服务的使用在低收入和中等收入国家稳步增加。

内容

第 1 章全球汇款市场的研究方法和范围

  • 调查方法
  • 调查目的和范围

第 2 章。全球汇款市场 - 市场定义和概述

第 3 章全球汇款市场 – 执行摘要

  • 按产品细分的市场
  • 按应用划分的市场细分
  • 最终用户的市场细分
  • 按地区划分的市场细分

第 4 章全球汇款市场 - 市场动态

  • 市场影响因素
    • 司机
      • 减少汇款成本和汇款时间
      • 跨境交易增加
    • 约束因素
      • 认知度低
    • 商机
    • 影响分析

第 5 章全球汇款市场 - 行业分析

  • 波特的五力分析
  • 供应链分析
  • 定价分析
  • 监管分析

第 6 章全球汇款市场 - COVID-19 分析

  • COVID-19 市场分析
    • 引入 COVID-19 之前的市场情景
    • COVID-19 的当前市场情景
    • COVID-19 后或未来情景
  • COVID-19 期间的定价动态
  • 供需范围
  • 大流行期间与市场相关的政府举措
  • 製造商的战略举措
  • 总结

第 7 章全球汇款市场 - 按产品分类

  • 银行转帐服务
  • 汇款应用
  • 其他

第 8 章全球汇款市场 - 按应用

  • 消费
  • 储蓄
  • 投资

第 9 章全球汇款市场 - 按最终用户分类

  • 个人
  • 商业
  • 公开

第 10 章全球汇款市场 - 按地区

  • 北美
    • 美国
    • 加拿大
    • 墨西哥
  • 欧洲
    • 德国
    • 英国
    • 法国
    • 意大利
    • 西班牙
    • 其他欧洲
  • 南美洲
    • 巴西
    • 阿根廷
    • 其他南美洲
  • 亚太地区
    • 中国
    • 印度
    • 日本
    • 澳大利亚
    • 其他亚太地区
  • 中东和非洲

第 11 章全球汇款市场 - 竞争格局

  • 竞争场景
  • 市场情况/份额分析
  • 併购分析

第 12 章全球汇款市场 - 公司简介

  • 美国银行
    • 公司简介
    • 产品组合和说明
    • 主要亮点
    • 财务摘要
  • 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

简介目录
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