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市场调查报告书
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1889193

全球数位汇款市场：预测（至2032年）－按类型、通路、汇款方式、支付工具、应用、最终用户和地区进行分析

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个工作天内

价格

根据 Stratistics MRC 的一项研究，预计到 2025 年，全球数位汇款市场规模将达到 290.5847 亿美元，到 2032 年将达到 964.7789 亿美元，预测期内复合年增长率为 18.7%。

数位汇款是指在国外工作的工人和移民透过行动和线上系统，以电子方式向其本国的收款人汇款的过程。它无需现金交易，提供了更快、更安全、成本更低的替代方案。用户可以使用数位钱包、应用程式和网路银行，以比传统方式更快、更透明、更易于追踪的方式进行资金转账，从而简化了整体汇款体验。

根据世界银行集团的数据，2023年美国个人汇款收入为77.4亿美元。

国际移民和劳动力流动性日益增强

随着越来越多的人为了工作、教育和季节性劳动而移居他国，对快速便捷的汇款方式的需求日益增长。数位平台使移民无需前往实体代理点即可即时汇款。行动钱包、应用程式汇款和低成本的线上管道正成为跨境交易的首选。即时追踪和透明的费用吸引了首次汇款人和多次汇款人。这种跨境人口流动仍然是推动数位汇款普及的主要因素。

网路安全风险与资料隐私问题

用户越来越关注其财务数据、身份验证资讯和交易详情的储存和共用方式。敏感资料的外洩或滥用会严重损害客户信任。服务供应商必须大力投资加密技术、反诈骗工具以及遵守国际隐私法规。额外的身份验证程序和安全认证机制也变得至关重要。

企业和中小企业的国际汇款

与传统银行管道相比，许多中小企业依赖汇款平台，以获得更快的支付、更低的费用和更高的流动性。数位化解决方案有助于简化供应商付款、出口结算和海外薪水支付流程。随着全球电子商务和远距办公的蓬勃发展，中小企业越来越倾向于选择灵活的线上付款管道。提供多币种钱包和自动开票功能的供应商预计将获得显着成长。这种不断增长的业务需求为数位汇款公司提供了强劲的发展前景。

数位基础设施和互通性挑战

宽频存取受限和网路稳定性差会阻碍交易流程，尤其是在农村和欠发达地区。支付系统、银行和行动钱包之间的互通性问题进一步加剧了跨境汇款的复杂性。由于系统不相容和技术框架过时，用户可能会面临延迟和故障。服务提供者必须应对复杂的技术环境才能确保连线顺畅。这些限制持续威胁数位汇款解决方案的速度、可靠性和扩充性。

新冠疫情的感染疾病：

疫情期间，由于实体代理点数量有限，数位汇款管道的普及速度显着加快。在出行限制措施下，务工人员纷纷转向线上平台以维持生计。然而，经济的不确定性和失业潮导致多个国家的汇款量出现波动。数位平台受益于人们日益增长的认知度和便利性。即使在疫情结束后，远距办公的持续存在和数位化优先的金融习惯也支撑了数位平台的持续使用。这次危机凸显了安全、非接触式和快速的汇款方式在全球动盪时期所扮演的关键角色。

预测期内，跨国数位汇款领域将占据最大的市场份额。

预计在预测期内，出境数字汇款将占据最大的市场份额。这主要归因于越来越多的移民向其祖国汇款。不断完善的行动支付生态系统和低廉的数位汇款费用是推动这一趋势的主要因素。与传统汇款代理商相比，用户更倾向于选择便利快速的线上管道。智慧型手机和金融应用程式的普及进一步推动了这一趋势。即时支付功能的出现，使得出境汇款对各个收入群体更具吸引力。

预测期内，中小企业板块的复合年增长率将最高。

预计在预测期内，中小企业 (SME) 领域将实现最高成长率，这主要得益于其对跨境数位化支付工具日益增长的依赖。中小企业正在寻求高效、低成本的银行通路替代方案来进行国际贸易交易。数位化平台提供透明、可预测的费用和快速的处理速度，有助于改善企业的现金流。与发票工具和多币种帐户的整合进一步提升了企业的便利性。全球线上市场的兴起正在推动中小企业对国际支付能力的需求。

占比最大的地区：

由于亚太地区拥有庞大的移民人口和快速发展的数位生态系统，预计在预测期内将占据最大的市场份额。印度、中国和菲律宾等国是国际汇款的主要接收国和汇款国。智慧型手机的高普及率使得行动汇款服务广泛应用。各国政府正大力推动无现金经济和普惠金融倡议。金融科技的应用在都市区和农村地区都在迅速扩展。

复合年增长率最高的地区：

由于庞大的外籍劳工群体和不断完善的数位金融基础设施，预计中东和非洲地区在预测期内将实现最高的复合年增长率。数百万外籍劳工居住在海湾国家，他们定期向家乡汇款。非洲行动支付网路的扩张正在推动数位汇款工具的普及。不断增长的金融科技投资和监管现代化正在增强人们对数位支付的信心。中东和非洲之间的跨境通道正日益实现数位融合。

免费客製化服务：

订阅本报告的用户可从以下免费自订选项中选择一项：

  • 公司简介
    • 对最多三家其他公司进行全面分析
    • 对主要企业进行SWOT分析（最多3家公司）
  • 区域分类
    • 根据客户兴趣对主要国家进行市场估算、预测和复合年增长率分析（註：基于可行性检查）
  • 竞争基准化分析
    • 基于产品系列、地域覆盖和策略联盟对主要企业基准化分析

目录

第一章执行摘要

第二章 引言

  • 概述
  • 相关利益者
  • 分析范围
  • 分析方法
  • 分析材料

第三章 市场趋势分析

  • 司机
  • 抑制因素
  • 机会
  • 威胁
  • 应用分析
  • 终端用户分析
  • 新兴市场
  • 新冠疫情的影响

第四章 波特五力分析

  • 供应商的议价能力
  • 买方议价能力
  • 替代产品的威胁
  • 新进入者的威胁
  • 竞争对手之间的竞争

5. 全球数位汇款市场（按类型划分）

  • 入境数位转帐
  • 出境数位转账

6. 全球数位汇款市场（按通路划分）

  • 数位汇款服务供应商
  • 银行
  • 行动钱包/电子钱包

7. 全球数位汇款市场（依汇款方式划分）

  • 线上（网路为基础的转帐）
  • 行动（基于应用程式的汇款）

8. 全球数位汇款市场按支付方式划分

  • 银行转帐
  • 签帐金融卡/信用卡转帐
  • 行动支付
  • 现金转电子转账

9. 全球数位汇款市场（按应用划分）

  • 个人汇款
  • 商业汇款

第十章：全球数位汇款市场（以最终用户划分）

  • 移徙工人/个人
  • 中小企业
  • 自由职业/零工经济
  • 其他最终用户

第十一章：全球数位汇款市场（按地区划分）

  • 北美洲
    • 美国
    • 加拿大
    • 墨西哥
  • 欧洲
    • 德国
    • 英国
    • 义大利
    • 法国
    • 西班牙
    • 其他欧洲
  • 亚太地区
    • 日本
    • 中国
    • 印度
    • 澳洲
    • 纽西兰
    • 韩国
    • 亚太其他地区
  • 南美洲
    • 阿根廷
    • 巴西
    • 智利
    • 其他南美国家
  • 中东和非洲
    • 沙乌地阿拉伯
    • 阿拉伯聯合大公国
    • 卡达
    • 南非
    • 其他中东和非洲地区

第十二章：主要趋势

  • 合约、商业伙伴关係和合资企业
  • 企业合併（M&A）
  • 新产品上市
  • 业务拓展
  • 其他关键策略

第十三章：企业概况

  • 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.