数位彙款：主要趋势、竞争排行榜和市场预测（2022-2027 年）

本报告使用三个瞻博网络研究竞争对手排行榜评估了 44 家数位彙款供应商：数位彙款平台提供商、数位彙款提供商和移动货币供应商。它还提供详细的行业基准、五年预测和分析。

这个研究组合包括：

• 市场趋势和策略 (PDF)
• 竞争性排行榜 (PDF)
• 数据和预测（PDF 和 Excel）
• 12 个月访问在线数据平台

回答的主要问题

• 1. 影响当今国际和国内汇款市场增长的主要趋势是什么？
• 2. 哪些国家在国际和国内汇款市场上的商机最大？
• 3. 2027年P2P支付的规模会是多少？
• 4. 即时支付会对国际和国内汇款公司采用的商业模式构成多大程度的威胁？
• 5. 哪些主要平台公司正在颠覆国际和国内汇款格局？他们将如何确保自己的市场地位？

分析的公司

• 受访公司：华为
• 案例研究涵盖的公司：华为
• Juniper Research's Money Transfer Platform Vendors Competitor Leaderboard目标企业：Amdocs、Comviva、Huawei、Infosys EdgeVerve、Interac、Mastercard、Money Transfer Application、OBOPAY、PayPal、RemitONE、Ripple、Seamless Distribution Systems、Telepin Software、Thunes、Visa.
• Juniper Research's Digital Remittance Vendors Competitor Leaderboard目标企业：Azimo、Currencies Direct、CurrencyFair、FairFX、InstaReM、moneycorp、MoneyGram、OFX、Remitly、Ria、Western Union、Wise、WorldRemit、Xoom.
• Juniper Research Competitor Mobile Money Vendors Leaderboard目标企业：Airtel Money、bKash、Easypaisa、EcoCash、Equitel Money、eZ Cash、LinkAja、MonCash、M-PESA、MTN Mobile Money、Orange Money、Tigo、Transfer/Telcel、uPaisa、Wave Money.
• 提及企业：Mentioned: 10X Capital、2Keys Corporation、AB Bank、ABN AMRO、Abu Dhabi Global Market Financial Services Regulatory Authority、Accel、ACI Worldwide、AFEX Money Express、Africell Afrimoney、Alipay、Aliv Bahamas、Allianz、Allied Bank、amadeus、Amazon、América Móvil、American Express、Ant Group、Apple、AsiaHawala、AT&T、AXA General Insurance、Axiata、Azure Ventures Group、Banamex、Banco do Brazil、Banco Inbursa、Bancolombia、Bank Asia、Bank of America、Bank of China、Bank of Dubai、Bank of Montreal、Barclays、BDO (Banc de Oro)、Bell、Bharti Enterprises、Bhutan's Central Bank、Bill and Melinda Gates Foundation、BitPay、Blackstone、BNP Paribas、Bolt、BRAC Bank、BRI Ventures、British Chambers of Commerce、BT、BTC SMEGA、Canada Trust、Canadian Imperial Bank of Commerce、Canadian Western Bank、Capital One、CCA (Cámara de Compensación Electrónica)、CFPB (Consumer Financial Protection Bureau)、Chase、Checkout.com、ChromePay、CIBC、Citi、Claret Capital Partners、Clearpay、Clickatell、CNN、Coinbase、Coinme、coins.ph、Commerce Bank、Convoy Payments、Convoy Payments Limited、Cooperative Bank of Kenya、Corsair、Credit Union Central of Canada、Crypto Accept、CSG、Cuentas、Currencies Direct、CurrencyCloud、Dandelion Network、DBS、Department for International Development、Desjardins、Digicel、Dinex、Discover Financial Services、Djibouti Telecom、dLocal、DN Capital、DSTV、Early Warning、Earthport、Easypaisa、Ecobank、EcoCash、Emirates NBD、Enterprise Ireland、Equals Group Plc 、Equity Bank、Ericcson、eSewa Money Transfer、eswatini Mobile、Etisalat、Euronet Worldwide、Evantagesoft、Express Union、EzyPesa、Farallon Capital、FCMB Bank、Federal Bank、Feédeération des Caisses Desjardins du Queébec、Fidelity Ventures、Financial Deepening Challenge Fund 、FINCI、Firma Foreign Exchange Corporation、First Bank of Nigeria、First Calgary Financial、fiserv、Flutterwave、Frog Capital、Frontline Ventures、Future Shape、Gatwick Airport、GGV Capital、Globacom Ltd、Global Send、G-Money、GoCardless、Goldman Sachs、Google、Grab、Grameenphone、GT&T MMG、Halopesa、Helios Investment Partners、HSBC、Huveane、ICICI Bank、IDG Capital、IFC (International Finance Corporation)、IFIC Bank、IMB、IME、ING、Insight Partners、InterSwitch、Inwi Money、iZettle、JazzCash、Jumia、KBZPay、Kenya Airways、Kim Phu Money Transfer、Klarna、Laurentian Bank、Leapfrog Investments、Libro Credit Union、Limonetik、Link、LinkAja、Logiq、Madison Dearborn Partners、Mandiri Capital 、Masoko、Maybank、Metrobank、MFS Africa、Money in Motion LLC、Moneytrans、Monzo、MOVii、Movil Red、M-Shwari、Mukuru、NASDAQ、National Bank、NCBA、New Enterprise Associates、New York State Department of Financial Services、Nium、Nokia、NSSF (National Social Security Fund)、One Acre Fund、Onfido、Ooredoo、Openet、Paidy、Palamon Capital Partners、Papaya Global、Pasa Tiempo Amigo、Paxos Trust Company、Payfare Inc、Payoneer、Paytm、PayU、Pertamina、Polaris Bank、Pos Indonesia、Poste Italiane、PromptPay、QNB (Qatar National Bank)、Quick Remit、Quona Capital、Rakuten、RBC、RBI (Reserve Bank of India)、Rebtel、Reserve Bank of Zimbabwe、Riaktr、Riio、Roshan M-Paisa、Route 66 Ventures、Royal Bank of Canada、Ryman、Safaricom、Sandwave、Santander、SBI、SCB (Siam Commercial Bank)、Scotiabank、Sequoia Capital、Shinhan Bank of South Korea、Silicon Valley Bank、Simility、Singtel、SMARTCASH Payment Service Bank Limited、Smith&Smith、Socash、SoftBank Vision Fund、Sogebank、Sourced Group、Standard Bank、Standard Charter、State Bank of India、State Bank of Pakistan、stc、Stellar Development Foundation、Stern Bank、Strands、Strex、Stripe、SVB Capital、Swedbank、Swift Financial、Symphoni、Tangerine Bank、Tata Indicom、TCV、TD、Tech Mahindra、Techstars、Telcomsel、Tele2、Telenor、Telia、Telkom、Telkomsel、Telma、Temenos、Tempo France、TerraPay、Tetragon Financial Group、The Currency Cloud、The Guardian、The Telegraph、Threshold、TIO Networks、T-Mobile、TN Bank、Tookitaki、TPesa、Tranglo、Transfast、TransferTo、Travelex、TrueMoney、TSB、UBA、Uber、UK Post Office、Union Bank of India、Union Bank of the Philippines、UnityLink、urpay、Valyou、Viamericas、Viber、Virgin Atlantic、VizPay、Vocalink、Vodafone、Volaris Group、Walmart、WeChat、Wells Fargo、Wirecard Forex India、WiseTech Global、Worldpay、Xe、Yabx、Yoma Bank、YouGov、Zepz

数据交互预测

Juniper Research 的预测集包括：

• 分析目标地区（共8个地区）和目标国家（共60个国家）：对未来五年的预测
  • 阿尔及利亚
  • 阿根廷
  • 澳大利亚
  • 奥地利
  • 孟加拉国
  • 比利时
  • 巴西
  • 加拿大
  • 智利
  • 中国
  • 哥伦比亚
  • 克罗地亚
  • 捷克共和国
  • 丹麦
  • 厄瓜多尔
  • 埃及
  • 芬兰
  • 法国
  • 德国
  • 希腊
  • 香港
  • 匈牙利
  • 印度
  • 印度尼西亚
  • 爱尔兰
  • 以色列
  • 意大利
  • 日本
  • 肯尼亚
  • 科威特
  • 马来西亚
  • 墨西哥
  • 尼泊尔
  • 荷兰
  • 新西兰
  • 尼日利亚
  • 挪威
  • 巴基斯坦
  • 秘鲁
  • 菲律宾
  • 波兰
  • 葡萄牙
  • 卡塔尔
  • 罗马尼亚
  • 俄罗斯
  • 沙特阿拉伯
  • 新加坡
  • 南非
  • 韩国
  • 西班牙
  • 瑞典
  • 瑞士
  • 泰国
  • 土耳其
  • 英国
  • 乌克兰
  • 阿拉伯联合酋长国
  • 乌拉圭
  • 美国
  • 越南

内容

市场趋势和策略

第 1 章分析概述和战略建议

第二章国际汇款

• 国际汇款
  • 定义和范围
• 需要注意的当前市场状况和趋势

第三章国内汇款/移动货币

• 国内汇款/移动货币
  • 定义和范围
• 需要注意的当前市场状况和趋势

第四章汇款：主要汇款渠道及区域分析

• 汇款：主要汇款渠道和区域分析
  • 北美
    • 美国
    • 加拿大
  • 拉丁美洲
    • 阿根廷
    • 巴西
    • 哥伦比亚
    • 墨西哥
  • 西欧
    • 丹麦
    • 法国
    • 德国
    • 意大利
    • 荷兰
    • 挪威
    • 葡萄牙
    • 西班牙
    • 瑞典
    • 英国
  • 中欧和东欧
    • 波兰
    • 俄罗斯
    • 土耳其
  • 印度和印度次大陆
    • 印度
  • 远东/中国
    • 中国
    • 日本
    • 韩国
    • 其他亚太国家
    • 澳大利亚
    • 新加坡
  • 非洲/中东
    • 沙特阿拉伯
    • 南非
• 主要汇款渠道
  • 美国-墨西哥
  • 美国 - 中国
  • 中国香港
  • 美国 - 印度
  • 阿联酋-印度
  • 美国 - 菲律宾
  • 英国 - 欧盟国家

竞争对手排行榜

第 1 章 Juniper Research 汇款平台提供商竞争排行榜

• 为什么要阅读这份报告？
• 汇款平台提供商：供应商简介
  • Amdocs
    • 公司
    • 地区
    • 主要客户和合作伙伴
    • 主要产品/服务
    • JuniperResearch 洞察：战略建议和关键机遇
  • Comviva
  • Huawei
  • Infosys EdgeVerve
  • Interac
  • Mastercard
  • Money Transfer Application
  • OBOPAY
  • PayPal
  • RemitONE
  • Ripple
  • Seamless Distribution Systems
  • Telepin Software
  • Thunes
  • Visa
• Juniper Research Leaderboard分析手法

第 2 章 Juniper Research 汇款提供商竞争排行榜

• 为什么要阅读这份报告？
• 汇款提供商：供应商资料
  • Azimo
  • Currencies Direct
  • CurrencyFair
  • FairFX
  • InstaReM
  • moneycorp
  • MoneyGram
  • OFX
  • Remitly
  • Ria
  • Western Union
  • Wise
  • WorldRemit
  • Xoom
• Juniper Research 排行榜评估研究方法论
  • 限制和解释

第 3 章 Juniper Research 移动货币平台竞争排行榜

• 为什么要阅读这份报告？
• 移动货币提供商：供应商资料
  • Airtel Money
  • bKash
  • Easypaisa
  • EcoCash
  • Equitel Money
  • eZ Cash
  • LinkAja
  • MonCash
  • M-PESA
  • MTN Mobile Money
  • Orange Money
  • Tigo
  • Transfer/Telcel
  • UPaisa
  • Wave Money
• Juniper Research Leaderboard分析方法

数据和预测：目录

第一章移动汇款市场概述

• 国内汇款/移动货币
  • 定义和范围
  • 当前的市场状况和趋势
    • 移动货币和 PaaP（支付即平台）
    • 即时付款和国内付款
    • 社交支付和超级应用
• 市场规模衡量：概览

第 2 章。汇款：预测概述

• 使用数位彙款的预测
  • 移动/在线数位彙款的活跃用户数量
• 汇款：交易预测、概览
  • 手机/在线汇款：交易总数
  • 移动/在线汇款：总交易额

第 3 章国内汇款：市场预测和结论

• 国内汇款使用情况预测
  • 国内汇款活跃用户
• 国内汇款：交易预测、概览
  • 国内汇款：总交易量
  • 国内汇款：总交易金额

第 4 章国际汇款：市场预测和结论

• 海外汇款使用预测
  • 海外汇款活跃用户数
• 海外汇款：交易预测、概览
  • 海外汇款：交易总数
  • 海外汇款：总交易额

第 5 章即时消费者支付：市场预测和结论

• 简介
• 调查方法和假设
• 面向消费者的即时支付：市场预测
  • 面向消费者的国内即时支付：市场规模
  • 消费者跨境即时支付：市场规模
  • 消费者即时支付：市场规模

Juniper Research's latest “Digital Money Transfer & Remittances” research provides an extensive analysis of how the money transfer space is evolving in reaction to changing consumer preferences, as well as the impact of new payment methods across both domestic and cross border payments. This research includes a regional analysis of key money transfer markets and remittance corridors.

The research report positions 44 unique digital money transfer vendors across 3 different Juniper Research Competitor Leaderboards; covering digital money transfer platform providers, digital remittance providers and mobile money vendors. The research also provides in-depth industry benchmark, 5-year forecasts and analysis for:

• Mobile & Online Domestic Money Transfer
• Mobile & Online International Money Transfer & Remittances
• Domestic Consumer Instant Payments
• Cross-border Consumer Instant Payments

This research suite comprises:

• Market Trends & Strategies (PDF)
• Competitor Leaderboard (PDF)
• Data & Forecasts (PDF & Excel)
• 12 Months' Access to harvest Online Data Platform

KEY FEATURES

• Market Analysis: An independent analysis of the key trends and outlook for the digital money transfer & remittances market, including the growth of mobile transfers & remittances, as well as the shift towards digital payments and the threat posed by instant payments to established money transfer models.

• Regional Analysis: Analysis of key regional regulations, payment methods and opportunities within digital money transfer, split by countries and remittance corridors of interest.

• Benchmark Industry Forecasts: Includes forecasts for domestic and international money transfer & remittances, split by mobile and online, and providing detailed insights into user adoption, as well as transaction volume and value, accompanied by splits for instant payment usage, as well as for the following 60 countries:
  • Algeria
  • Argentina
  • Australia
  • Austria
  • Bangladesh
  • Belgium
  • Brazil
  • Canada
  • Chile
  • China
  • Colombia
  • Croatia
  • Czech Republic
  • Denmark
  • Ecuador
  • Egypt
  • Finland
  • France
  • Germany
  • Greece
  • Hong Kong
  • Hungary
  • India
  • Indonesia
  • Ireland
  • Israel
  • Italy
  • Japan
  • Kenya
  • Kuwait
  • Malaysia
  • Mexico
  • Nepal
  • Netherlands
  • New Zealand
  • Nigeria
  • Norway
  • Pakistan
  • Peru
  • Philippines
  • Poland
  • Portugal
  • Qatar
  • Romania
  • Russia
  • Saudi Arabia
  • Singapore
  • South Africa
  • South Korea
  • Spain
  • Sweden
  • Switzerland
  • Thailand
  • Turkey
  • UK
  • Ukraine
  • United Arab Emirates
  • Uruguay
  • US
  • Vietnam

• Juniper Research Competitor Leaderboards: Key player capability and capacity assessments for 44 vendors within the digital money transfer & remittances ecosystem, via 3 separate Juniper Research Competitor Leaderboards:
  • International remittance providers
    • Azimo
    • Currencies Direct
    • CurrencyFair
    • FairFX
    • InstaReM
    • moneycorp
    • MoneyGram
    • OFX
    • Remitly
    • Ria
    • Western Union
    • Wise
    • WorldRemit
    • Xoom
  • Mobile money transfer providers
    • Airtel Money
    • bKash
    • Easypaisa
    • EcoCash
    • Equitel Money
    • eZ Cash
    • LinkAja
    • MonCash
    • M-PESA
    • MTN Mobile Money
    • Orange Money
    • Tigo
    • Transfer/Telcel
    • uPaisa
    • Wave Money
  • Digital money transfer platform providers
    • Amdocs
    • Comviva
    • Huawei
    • Infosys EdgeVerve
    • Interac
    • Mastercard
    • Money Transfer Application
    • OBOPAY
    • PayPal
    • RemitONE
    • Ripple
    • Seamless Distribution Systems
    • Telepin Software
    • Thunes
    • Visa

KEY QUESTIONS ANSWERED

• 1. What key trends are shaping the growth of the international remittances and domestic money transfer markets today?

• 2. Which countries represent the greatest opportunities within the international remittances and domestic money transfer markets?

• 3. What will the value of P2P payments be in 2027?

• 4. To what extent do instant payments pose a threat to the business models employed by players within the international and domestic money transfer markets?

• 5. Who are the key platform players disrupting the international and domestic money transfer landscape? How can they secure their market position?

COMPANIES REFERENCED

• Interviewed: Huawei

• Case Studied: Huawei

• Included in Juniper Research's Money Transfer Platform Vendors Competitor Leaderboard: Amdocs, Comviva, Huawei, Infosys EdgeVerve, Interac, Mastercard, Money Transfer Application, OBOPAY, PayPal, RemitONE, Ripple, Seamless Distribution Systems, Telepin Software, Thunes, Visa.

• Included in Juniper Research's Digital Remittance Vendors Competitor Leaderboard: Azimo, Currencies Direct, CurrencyFair, FairFX, InstaReM, moneycorp, MoneyGram, OFX, Remitly, Ria, Western Union, Wise, WorldRemit, Xoom.

• Included in Juniper Research Competitor Mobile Money Vendors Leaderboard: Airtel Money, bKash, Easypaisa, EcoCash, Equitel Money, eZ Cash, LinkAja, MonCash, M-PESA, MTN Mobile Money, Orange Money, Tigo, Transfer/Telcel, uPaisa, Wave Money.

• Mentioned: 10X Capital, 2Keys Corporation, AB Bank, ABN AMRO, Abu Dhabi Global Market Financial Services Regulatory Authority, Accel, ACI Worldwide, AFEX Money Express, Africell Afrimoney, Alipay, Aliv Bahamas, Allianz, Allied Bank, amadeus, Amazon, América Móvil, American Express, Ant Group, Apple, AsiaHawala, AT&T, AXA General Insurance, Axiata, Azure Ventures Group, Banamex, Banco do Brazil, Banco Inbursa, Bancolombia, Bank Asia, Bank of America, Bank of China, Bank of Dubai, Bank of Montreal, Barclays, BDO (Banc de Oro), Bell, Bharti Enterprises, Bhutan's Central Bank, Bill and Melinda Gates Foundation, BitPay, Blackstone, BNP Paribas, Bolt, BRAC Bank, BRI Ventures, British Chambers of Commerce, BT, BTC SMEGA, Canada Trust, Canadian Imperial Bank of Commerce, Canadian Western Bank, Capital One, CCA (Cámara de Compensación Electrónica), CFPB (Consumer Financial Protection Bureau), Chase, Checkout.com, ChromePay, CIBC, Citi, Claret Capital Partners, Clearpay, Clickatell, CNN, Coinbase, Coinme, coins.ph, Commerce Bank, Convoy Payments, Convoy Payments Limited, Cooperative Bank of Kenya, Corsair, Credit Union Central of Canada, Crypto Accept, CSG, Cuentas, Currencies Direct, CurrencyCloud, Dandelion Network, DBS, Department for International Development, Desjardins, Digicel, Dinex, Discover Financial Services, Djibouti Telecom, dLocal, DN Capital, DSTV, Early Warning, Earthport, Easypaisa, Ecobank, EcoCash, Emirates NBD, Enterprise Ireland, Equals Group Plc , Equity Bank, Ericcson, eSewa Money Transfer, eswatini Mobile, Etisalat, Euronet Worldwide, Evantagesoft, Express Union, EzyPesa, Farallon Capital, FCMB Bank, Federal Bank, Feédeération des Caisses Desjardins du Queébec, Fidelity Ventures, Financial Deepening Challenge Fund , FINCI, Firma Foreign Exchange Corporation, First Bank of Nigeria, First Calgary Financial, fiserv, Flutterwave, Frog Capital, Frontline Ventures, Future Shape, Gatwick Airport, GGV Capital, Globacom Ltd, Global Send, G-Money, GoCardless, Goldman Sachs, Google, Grab, Grameenphone, GT&T MMG, Halopesa, Helios Investment Partners, HSBC, Huveane, ICICI Bank, IDG Capital, IFC (International Finance Corporation), IFIC Bank, IMB, IME, ING, Insight Partners, InterSwitch, Inwi Money, iZettle, JazzCash, Jumia, KBZPay, Kenya Airways, Kim Phu Money Transfer, Klarna, Laurentian Bank, Leapfrog Investments, Libro Credit Union, Limonetik, Link, LinkAja, Logiq, Madison Dearborn Partners, Mandiri Capital , Masoko, Maybank, Metrobank, MFS Africa, Money in Motion LLC, Moneytrans, Monzo, MOVii, Movil Red, M-Shwari, Mukuru, NASDAQ, National Bank, NCBA, New Enterprise Associates, New York State Department of Financial Services, Nium, Nokia, NSSF (National Social Security Fund), One Acre Fund, Onfido, Ooredoo, Openet, Paidy, Palamon Capital Partners, Papaya Global, Pasa Tiempo Amigo, Paxos Trust Company, Payfare Inc, Payoneer, Paytm, PayU, Pertamina, Polaris Bank, Pos Indonesia, Poste Italiane, PromptPay, QNB (Qatar National Bank), Quick Remit, Quona Capital, Rakuten, RBC, RBI (Reserve Bank of India), Rebtel, Reserve Bank of Zimbabwe, Riaktr, Riio, Roshan M-Paisa, Route 66 Ventures, Royal Bank of Canada, Ryman, Safaricom, Sandwave, Santander, SBI, SCB (Siam Commercial Bank), Scotiabank, Sequoia Capital, Shinhan Bank of South Korea, Silicon Valley Bank, Simility, Singtel, SMARTCASH Payment Service Bank Limited, Smith&Smith, Socash, SoftBank Vision Fund, Sogebank, Sourced Group, Standard Bank, Standard Charter, State Bank of India, State Bank of Pakistan, stc, Stellar Development Foundation, Stern Bank, Strands, Strex, Stripe, SVB Capital, Swedbank, Swift Financial, Symphoni, Tangerine Bank, Tata Indicom, TCV, TD, Tech Mahindra, Techstars, Telcomsel, Tele2, Telenor, Telia, Telkom, Telkomsel, Telma, Temenos, Tempo France, TerraPay, Tetragon Financial Group, The Currency Cloud, The Guardian, The Telegraph, Threshold, TIO Networks, T-Mobile, TN Bank, Tookitaki, TPesa, Tranglo, Transfast, TransferTo, Travelex, TrueMoney, TSB, UBA, Uber, UK Post Office, Union Bank of India, Union Bank of the Philippines, UnityLink, urpay, Valyou, Viamericas, Viber, Virgin Atlantic, VizPay, Vocalink, Vodafone, Volaris Group, Walmart, WeChat, Wells Fargo, Wirecard Forex India, WiseTech Global, Worldpay, Xe, Yabx, Yoma Bank, YouGov, Zepz.

DATA & INTERACTIVE FORECAST

Juniper Research's “Digital Money Transfer & Remittances” forecast suite includes:

• Regional splits for 8 key regions, as well as 60 country-level data splits for:
  • Algeria
  • Argentina
  • Australia
  • Austria
  • Bangladesh
  • Belgium
  • Brazil
  • Canada
  • Chile
  • China
  • Colombia
  • Croatia
  • Czech Republic
  • Denmark
  • Ecuador
  • Egypt
  • Finland
  • France
  • Germany
  • Greece
  • Hong Kong
  • Hungary
  • India
  • Indonesia
  • Ireland
  • Israel
  • Italy
  • Japan
  • Kenya
  • Kuwait
  • Malaysia
  • Mexico
  • Nepal
  • Netherlands
  • New Zealand
  • Nigeria
  • Norway
  • Pakistan
  • Peru
  • Philippines
  • Poland
  • Portugal
  • Qatar
  • Romania
  • Russia
  • Saudi Arabia
  • Singapore
  • South Africa
  • South Korea
  • Spain
  • Sweden
  • Switzerland
  • Thailand
  • Turkey
  • UK
  • Ukraine
  • United Arab Emirates
  • Uruguay
  • US
  • Vietnam

• Data splits for:
  • Mobile Domestic Money Transfer
  • Mobile International Money Transfer
  • Online Domestic Money Transfer
  • Online International Money Transfer
  • Domestic Consumer Instant Payments
  • Cross-border Consumer Instant Payments

• Mobile money transfer & remittances split by seven transaction types:
  • Cash in
  • Cash out
  • Domestic Airtime Top-up
  • Domestic P2P Remittance
  • Bulk Disbursement (G2P)
  • International Airtime Top-up
  • International P2P Remittance

• Interactive scenario tool allowing users to manipulate Juniper Research's data for 10 different metrics.

• Access to the full set of forecast data of more than 100 tables and over 46,000 datapoints.

Juniper Research's highly granular IFxl (interactive Excel) database enables clients to manipulate Juniper Research's forecast data and charts to test their own assumptions using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase clients' ability to both understand a particular market and to integrate their own views into the model.

FORECAST SUMMARY

The volume of digital domestic money transfer payments will exceed 300 billion globally for the first time in 2026, from 207 billion in 2022. This represents a growth of nearly 50%.

• Superapps, where multiple services including payment and financial transaction processing are available in one app, are driving digitisation of previously cash-based payments, by including messaging and access to other services alongside payments.

• The top three countries will account for just under 74% of global digital domestic money transfer transactions in 2026. The report identified the top three markets for usage as:
  • 1. China
  • 2. US
  • 3. India

• The appeal of social payments, in which payments are integrated into social platforms, has driven transactions in these three countries. WeChat Pay in China and Venmo in the US were cited by the research as examples of how social payments are driving domestic money transfer. Money transfer vendors must identify the most popular social platforms in each country and aim to create partnerships that enable social payments.

• Differentiation is a key challenge for money transfer apps, particularly given the highly competitive market landscape. The superapp approach, where a marketplace of different services is offered in-app, is key to creating money transfer apps that offer greater value for users. Therefore, vendors must onboard other financial service providers and eCommerce merchants, to boost the unique user value their apps represent.

Table of Contents

Market Trends & Strategies

1. Key Takeaways & Strategic Recommendations

• 1.1. Key Takeaways
• 1.2. Strategic Recommendations

2. International Money Transfer & Remittances

• 2.1. International Money Transfer and Remittances
  • 2.1.1. Definitions and Scope
• 2.2. Current Market Status and Trends to Watch

3. Domestic Money Transfer & Mobile Money

• 3.1. Domestic Money Transfer and Mobile Money
  • 3.1.1. Definitions and Scope
• 3.2. Current Market Status and Trends to Watch

4. Money Transfer: Key Remittance Corridors & Regional Analysis

• 4.1. Money Transfer: Key Remittance Corridors and Regional Analysis
  • 4.1.1. North America
    • i. US
    • ii. Canada
  • 4.1.2. Latin America
    • i. Argentina
    • ii. Brazil
    • iii. Colombia
  • 4.1.3. Mexico
  • 4.1.4. West Europe
    • i. Denmark
    • ii. France
    • iii. Germany
    • iv. Italy
    • v. The Netherlands
    • vi. Norway
    • vii. Portugal
    • viii. Spain
    • ix. Sweden
      • Figure 4.1: Swish Private Payments Volume 2012-2021 (in Swedish Krona)
    • x. UK
  • 4.1.5. East and Central Europe
    • i. Poland
    • ii. Russia
    • iii. Turkey
  • 4.1.6. India and Indian Subcontinent
    • i. India
  • 4.1.7. Far East & China
    • i. China
    • ii. Japan
    • iii. South Korea
  • 4.1.8. Rest of Asia Pacific
    • i. Australia
    • ii. Singapore
  • 4.1.9. Africa & Middle East
    • i. Saudi Arabia
    • ii. South Africa
• 4.2. Key Remittance Corridors
  • Figure 4.2: Remittance Flows by LMIC Region, 2020-2022 (Growth Rate, %, Year-on-Year)
  • 4.2.1. US-Mexico
    • Figure 4.3: Remittance Inflow to Mexico ($bn), 09/20-09/21
  • 4.2.2. US-China
  • 4.2.3. Hong Kong-China
  • 4.2.4. US-India
  • 4.2.5. UAE-India
  • 4.2.6. US-Philippines
  • 4.2.7. UK-EU
    • Figure 4.4: Personal Remittances of the EU with the World (€m), Inbound & Outbound, 2020
    • Figure 4.5: Average Cost of Sending Remittances from Selected Countries, Q3 2015-Q3 2020 (% of the Amount Sent)

Competitor Leaderboard

1. Juniper Research Competitor Leaderboard for Money Transfer Platform Providers

• 1.1. Why Read This Report?
  • Figure 1.1: Juniper Research Competitor Leaderboard - Money Transfer Platform Vendors
  • Table 1.2: Juniper Research Competitor Leaderboard: Money Transfer Platform Vendor Ranking
  • Table 1.3: Juniper Research Competitor Leaderboard: Money Transfer Platforms - Heatmap
• 1.2. Money Transfer Platform Providers Vendor Profiles
  • 1.2.1. Amdocs
    • i. Corporate
      • Table 1.4: Amdocs' Financial Performance Snapshot ($m), 2018-2021
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.2. Comviva
    • i. Corporate
      • Table 1.5: Comviva's Financial Performance Snapshot ($m), 2017-2021
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.3. Huawei
    • i. Corporate
      • Table 1.6: Huawei's Financial Performance Snapshot ($bn), 2018-2021
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.4. Infosys EdgeVerve
    • i. Corporate
      • Table 1.7: Infosys EdgeVerve's Financial Performance (Financial Services Segment) ($m), 2019-2021
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.5. Interac
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.6. Mastercard
    • i. Corporate
      • Table 1.8: Mastercard's Financial Performance Snapshot ($bn), 2018-2021
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
      • Figure 1.9: Mastercard Send Platform
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.7. Money Transfer Application
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research Strategic Recommendations and Key Opportunities
  • 1.2.8. OBOPAY
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research Strategic Recommendations and Key Opportunities
  • 1.2.9. PayPal
    • i. Corporate
      • Table 1.10: PayPal's Financial Performance Snapshot ($bn,) 2018-2021
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.10. RemitONE
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.11. Ripple
    • i. Corporate
      • Table 1.11: Ripple's Funding Rounds (2016-2021)
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.12. Seamless Distribution Systems
    • i. Corporate
      • Table 1.12: SDS' Financial Performance Snapshot ($m), FY 2019-2021
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.13. Telepin Software
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.14. Thunes
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 1.2.15. Visa
    • i. Corporate
      • Figure 1.13: Visa's Financial Performance Snapshot ($bn), 2018-2021 (FYE 30 September)
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
• 1.3. Juniper Research Leaderboard Assessment Methodology
  • 1.3.1. Limitations & Interpretation
    • Table 1.14: Juniper Research Competitor Leaderboard Scoring Criteria

2. Juniper Research Competitor Leaderboard for Money Transfer Remittance Providers

• 2.1. Why Read This Report?
  • Figure 2.1: Juniper Research Competitor Leaderboard - Digital Remittance Vendors
  • Table 2.2: Juniper Research Competitor Leaderboard: Digital Remittance Vendor Ranking
  • Table 2.3: Juniper Research Competitor Leaderboard: Digital Remittance Vendors - Heatmap
• 2.2. Money Transfer Remittance Providers Vendor Profiles
  • 2.2.1. Azimo
    • Table 2.4: Azimo's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.2. Currencies Direct
    • Table 2.5: Currencies Direct's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.3. CurrencyFair
    • Table 2.6: CurrencyFair's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.4. FairFX
    • Table 2.7: FairFX's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.5. InstaReM
    • Table 2.8: InstaReM's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.6. moneycorp
    • Table 2.9: MoneyCorp's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.7. MoneyGram
    • Table 2.10: MoneyGram's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.8. OFX
    • Table 2.11: OFX's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.9. Remitly
    • Table 2.12: Remitly's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.10. Ria
    • Table 2.13: Ria's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research Strategic Recommendations and Key Opportunities
  • 2.2.11. Western Union
    • Table 2.14: Western Union's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.12. Wise
    • Table 2.15: Wise's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.13. WorldRemit
    • Table 2.16: WorldRemit's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 2.2.14. Xoom
    • Table 2.17: Xoom's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
• 2.3. Juniper Research Leaderboard Assessment Methodology
  • 2.3.1. Limitations & Interpretation
    • Table 2.18: Juniper Research Competitor Leaderboard Scoring Criteria

3. Juniper Research Competitor Leaderboard for Money Money Platforms

• 3.1. Why Read This Report?
  • Figure 3.1: Juniper Research Competitor Leaderboard - Mobile Money Vendors
  • Table 3.2: Juniper Research Competitor Leaderboard: Mobile Money Vendor Ranking
  • Table 3.3: Juniper Research Competitor Leaderboard: Mobile Money Vendors Heatmap
• 3.2. Mobile Money Providers Vendor Profiles
  • 3.2.1. Airtel Money
    • Table 3.4: Airtel Money's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.2. bKash
    • Table 3.5: bKash's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.3. Easypaisa
    • Table 3.6: Easypaisa's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.4. EcoCash
    • Table 3.7: EcoCash's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.5. Equitel Money
    • Table 3.8: Equitel Money's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.6. eZ Cash
    • Table 3.9: eZ Cash's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research Strategic Recommendations and Key Opportunities
  • 3.2.7. LinkAja
    • Table 3.10: LinkAja's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.8. MonCash
    • Table 3.11: MonCash's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.9. M-PESA
    • Table 3.12: M-PESA's Capabilities
    • i.Corporate
    • ii. Geographical Spread
    • iii. Key Clients and Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research Strategic Recommendations and Key Opportunities
  • 3.2.10. MTN Mobile Money
    • Table 3.13: MTN Mobile Money's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients and Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.11. Orange Money
    • Table 3.14: Orange Money's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients and Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.12. Tigo
    • Table 3.15: Tigo's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
  • 3.2.13. Transfer/Telcel
    • Table 3.16: Transfer/Telcel's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research'View: Strategic Recommendations and Key Opportunities
  • 3.2.14. UPaisa
    • Table 3.17: uPaisa's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research Strategic Recommendations and Key Opportunities
  • 3.2.15. Wave Money
    • Table 3.18: Wave Money's Capabilities
    • i. Corporate
    • ii. Geographical Spread
    • iii. Key Clients & Strategic Partnerships
    • iv. High-level View of Offerings
    • v. Juniper Research's View: Strategic Recommendations and Key Opportunities
• 3.3. Juniper Research Leaderboard Assessment Methodology
  • 3.3.1. Limitations & Interpretation
    • Table 3.19: Juniper Research Competitor Leaderboard Scoring Criteria

Data & Forecasting Table of Contents

1. Understanding the Mobile Money Transfer Market

• 1.1. Domestic Money Transfer and Mobile Money
  • i. Definitions and Scope
  • 1.1.2. Current Market Status and Trends
    • i. Mobile Money and PaaP (Payments-as-a-Platform)
    • ii. Instant Payments and Domestic Payments
    • iii. Social Payments and Superapps
• 1.2. Market Sizing: Introduction
  • 1.2.1. Methodology & Market Sizing
  • 1.2.2. Indicators
    • Figure 1.1: Money Transfer & Remittances Market Forecast Methodology

2. Money Transfer & Remittances: Forecast Summary

• 2.1. Digital Money Transfer & Remittances Usage Forecasts
  • 2.1.1. Mobile & Online Digital Money Transfer Active Users
    • Figure & Table 2.1: Total Number of Active Digital Money Transfer Users (m), Split by 8 Key Regions, 2022-2027
• 2.2. Money Transfer & Remittances: Transaction Forecast Summary
  • 2.2.1. Mobile & Online Money Transfer & Remittances: Total Transaction Volume
    • Figure & Table 2.2: Total Money Transfer & Remittance Transactions per annum (m), Split by 8 Key Regions, 2022-2027
  • 2.2.2. Mobile & Online Money Transfer & Remittances: Total Transaction Value
    • Figure & Table 2.3: Total Value of All Mobile & Online Money Transfer per annum ($m), Split by 8 Key Regions, 2022-2027

3. Domestic Money Transfer: Market Forecasts & Key Takeaways

• 3.1. Domestic Money Transfer Usage Forecasts
  • 3.1.1. Domestic Money Transfer Active Users
    • Figure & Table 3.1: Mobile & Online Domestic Money Transfer, Active Users (m), Split by 8 Key Regions, 2022-2027
• 3.2. Domestic Money Transfer: Transaction Forecast Summary
  • 3.2.1. Domestic Money Transfer: Total Transaction Volumes
    • Figure & Table 3.2: Total Number of Mobile & Online Domestic Money Transfer Transactions per annum (m), Split by 8 Key Regions, 2022-2027
  • 3.2.2. Domestic Money Transfer: Total Transaction Values
    • Figure & Table 3.3: Total Value of Mobile & Online Domestic Transactions per annum ($m), Split by 8 Key Regions, 2022-2027

4. International Money Transfer & Remittances: Market Forecasts & Key Takeaways

• 4.1. International Money Transfer Usage Forecasts
  • 4.1.1. International Money Transfer Active Users
    • Figure & Table 4.1: Mobile & Online International Money Transfer, Active Users (m), Split by 8 Key Regions, 2022-2027
• 4.2. International Money Transfer Transaction Forecast Summary
  • 4.2.1. International Money Transfer: Total Transaction Volume
    • Figure & Table 4.2: Total Number of Mobile & Online International Money Transfer Transactions per annum (m), Split by 8 Key Regions, 2022-2027
  • 4.2.2. International Money Transfer: Total Transaction Value
    • Figure & Table 4.3: Total Value of Mobile & Online International Transactions per annum ($m), Split by 8 Key Regions, 2022-2027

5. Consumer Instant Payments: Market Forecasts & Key Takeaways

• 5.1. Introduction
• 5.2. Methodology & Assumptions
  • Figure 5.1: Consumer Instant Payments Methodology
• 5.3. Consumer Instant Payments Forecast
  • 5.3.1. Value of Domestic Consumer Instant Payments
    • Figure & Table 5.2: Total Value of Instant Payments Domestic Consumer Transactions ($bn), Split by 8 Key Regions, 2022-2027
  • 5.3.2. Value of Cross-border Consumer Instant Payments
    • Figure & Table 5.3: Total Value of Instant Payments Cross-border Consumer Transactions ($bn), Split by 8 Key Regions, 2022-2027
  • 5.3.3. Value of Consumer Instant Payments
    • Figure & Table 5.4: Total Value of Instant Payments Consumer Transactions ($bn), Split by 8 Key Regions, 2022-2027