市場調查報告書
商品編碼
1466299
數位匯款市場:按匯款管道、匯款類型和最終用戶分類 - 2024-2030 年全球預測Digital Remittance Market by Remittance Channel (Banks Digital Remittance, Digital Money Transfer Operators), Remittance Type (Inward Digital Remittance, Outward Digital Remittance), End-User - Global Forecast 2024-2030 |
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預計2023年數位匯款市場規模為1,480.8億美元,預估2024年將達1,666億美元,2030年將達3,398.7億美元,複合年成長率為12.60%。
數位匯款促進了從一個國家的個人到另一個國家的個人或實體的電子轉賬,通常是透過移民工人將錢匯回其祖國。該市場利用數位平台和行動技術提供比傳統方法更方便、更快捷且通常更具成本效益的匯款服務。推動數位匯款市場成長的關鍵因素包括行動銀行的普及、網路的普及以及外籍和移民工人數量的增加。此外,對即時且具有成本效益的交易的需求以及世界各國政府對數位經濟的漸進政策是市場擴張的催化劑。儘管數位匯款市場潛力巨大,但仍面臨監管合規成本、網路詐騙風險以及來自非正式匯款管道的競爭等限制。挑戰包括不同平台之間的互通性、數位素養以及偏遠和銀行帳戶地區的可近性。此外,由於區塊鏈技術的整合以實現安全透明的交易、金融科技公司與傳統銀行之間的合作以及向匯款流入量大的開拓市場的擴張等機遇,數位匯款市場正在不斷發展。專注於改善客戶體驗、個人化服務和安全性的創新為市場帶來了進一步的成長潛力。
主要市場統計 | |
---|---|
基準年[2023] | 1480.8億美元 |
預測年份 [2024] | 1666億美元 |
預測年份 [2030] | 3398.7億美元 |
複合年成長率(%) | 12.60% |
匯款管道:越來越青睞提供多種服務的數位匯款供應商
銀行是傳統的匯款服務提供者。數位化銀行允許客戶透過網路銀行平台和行動應用程式進行國際匯款。如果客戶優先考慮安全性並對傳統金融機構高度信任,他們通常會喜歡銀行進行數位貨幣轉帳。銀行客戶也可能因為與銀行的現有關係而選擇此管道,例如易於與其他金融服務整合。數位 MTO 是一家金融服務公司,專門從事各方之間的資金轉移,特別是跨境交易。與傳統 MTO 不同,數位 MTO 主要透過線上平台和行動應用程式業務。優先考慮速度和成本的客戶往往更喜歡數位 MTO。這些平台通常簡單、易於使用,並且專為快速設定和傳輸而設計。與傳統銀行相比,它們通常提供有競爭力的外匯和更低的費用。客戶還可以選擇數位 MTO,因為它們支援小額轉帳並提供更多交付選項,例如行動貨幣和現金提取。
匯款類型:國際匯款較注重優惠的外匯與成本效率
匯入匯款是指從海外向該國進行的電子匯款。此類匯款通常由在國外工作的個人的家人或朋友收到。匯入數位匯款的需求源自於支持家鄉人民的經濟需求、支付教育或醫療費用等費用或投資當地企業。
外部數位匯款是指將資金從一個國家發送給另一個國家的收款人。這種匯款型態在需要向本國提供經濟支持的移民和外籍人士中很常見。有競爭力的外匯、最小的匯款延遲和簡化的使用者體驗對於這一領域的提供者來說非常重要。
最終用戶:擴大數位匯款在商業上的應用
在數位匯款中,企業是跨境交易、薪資分配以及商品和服務付款的主要相關人員。企業擴大尋求能夠提供有競爭力的外匯、快速交易、強大的安全通訊協定以及與現有金融系統無縫整合的解決方案。數位匯款服務的個人使用者包括移民、留學學生以及贍養海外家庭成員的個人。他們喜歡費用最低的服務、方便用戶使用的介面、可靠的客戶服務和快速的匯款設施。
區域洞察
在美洲,美國是重要的數位匯款中心,因為其大量移民人口向國外匯款。隨著數位管道的普及,加拿大也出現了類似的便利和安全趨勢。兩國都表現出複雜的消費行為,青睞提供透明定價、快速交易時間和多通路客戶服務的品牌。歐洲、中東和非洲地區,包括歐洲、中東和非洲,展現出多樣化的市場動態。在歐盟 (EU),PSD2 等強大的監管環境促進了金融科技創新,並為跨境付款創造了競爭格局。中東地區擁有大量外國勞動力,潛力巨大,但其數位基礎設施仍在開發中。行動貨幣解決方案正在非洲迅速被採用,特別是在東非,M-Pesa 等服務正在推動金融包容性。
在行動普及和數位素養不斷提高的推動下,亞太地區,特別是中國、印度和日本,已成為數位匯款的熱點。中國市場由支付寶和微信支付等科技巨頭主導,這些公司提供匯款服務作為其金融生態系統的一部分。印度正在透過統一付款介面 (UPI) 等政府措施徹底改變匯款市場,加速了數位付款的普及。儘管日本市場更加成熟,但它正在努力透過行動應用和金融科技進行創新,以保持成長勢頭。
FPNV定位矩陣
FPNV定位矩陣對於評估數位匯款市場至關重要。我們檢視與業務策略和產品滿意度相關的關鍵指標,以對供應商進行全面評估。這種深入的分析使用戶能夠根據自己的要求做出明智的決策。根據評估,供應商被分為四個成功程度不同的像限。最前線 (F)、探路者 (P)、利基 (N) 和重要 (V)。
市場佔有率分析
市場佔有率分析是一種綜合工具,可以對數位貨幣轉帳市場中供應商的現狀進行深入而深入的研究。全面比較和分析供應商在整體收益、基本客群和其他關鍵指標方面的貢獻,以便更好地了解公司的績效及其在爭奪市場佔有率時面臨的挑戰。此外,該分析還提供了對該細分市場競爭特徵的寶貴見解,包括在研究基準年觀察到的累積、分散主導地位和合併特徵等因素。詳細程度的提高使供應商能夠做出更明智的決策並制定有效的策略,從而在市場上獲得競爭優勢。
1. 市場滲透率:提供有關主要企業所服務的市場的全面資訊。
2. 市場開拓:我們深入研究利潤豐厚的新興市場,並分析其在成熟細分市場的滲透率。
3. 市場多元化:包括新產品發布、開拓地區、最新發展和投資的詳細資訊。
4.競爭力評估與資訊:對主要企業的市場佔有率、策略、產品、認證、監管狀況、專利狀況、製造能力等進行全面評估。
5. 產品開發與創新:包括對未來技術、研發活動以及突破性產品開發的見解。
1. 數位匯款市場的市場規模和預測是多少?
2. 在數位匯款市場預測期間內,我們應該考慮投資哪些產品和應用程式?
3. 數位匯款市場的技術趨勢和法規結構是什麼?
4. 數位匯款市場主要供應商的市場佔有率是多少?
5.進入數位匯款市場的適當型態和策略手段是什麼?
[199 Pages Report] The Digital Remittance Market size was estimated at USD 148.08 billion in 2023 and expected to reach USD 166.60 billion in 2024, at a CAGR 12.60% to reach USD 339.87 billion by 2030.
Digital remittance facilitates the electronic transfer of funds from individuals in one country to individuals or entities in another, typically by migrant workers sending money back to their home countries. This market utilizes digital platforms and mobile technologies to provide more accessible, faster, and often more cost-effective remittance services than traditional methods. Key factors propelling the growth of the digital remittance market include the increasing adoption of mobile banking, internet penetration, and the rising number of expatriates and migrant workers. Additionally, the demand for instant, cost-effective transactions and the progressive policies of governments worldwide towards the digital economy act as catalysts to this market's expansion. Despite its potential, the digital remittance market faces limitations such as regulatory compliance costs, the risk of cyber fraud, and competition from informal remittance channels. Challenges include interoperability across different platforms, digital literacy, and accessibility in remote or underbanked regions. Furthermore, the digital remittance market is evolving with opportunities such as integrating blockchain technology for secure and transparent transactions, partnerships between fintech firms and traditional banks, and expansion into untapped markets with high remittance inflow. Innovations focusing on customer experience, personalized services, and improved security offer further growth potential for the market.
KEY MARKET STATISTICS | |
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Base Year [2023] | USD 148.08 billion |
Estimated Year [2024] | USD 166.60 billion |
Forecast Year [2030] | USD 339.87 billion |
CAGR (%) | 12.60% |
Remittance Channel: Growing preference towards digital money transfer operators due to their diverse offerings
Banks are traditional providers of remittance services. In their digital form, banks allow customers to transfer money internationally through online banking platforms or mobile applications. Customers often prefer banks for digital remittances when they prioritize security and have high trust in traditional financial institutions. Bank users may also opt for this channel due to existing relationships with their banks, which can include ease of integration with their other financial services. Digital MTOs are financial services companies specializing in transferring money between parties, particularly well-suited for cross-border transactions. Unlike traditional MTOs, digital MTOs operate primarily through online platforms and mobile apps. Customers who prioritize speed and cost tend to prefer digital MTOs. These platforms are usually straightforward, easy to use, and designed for quick setup and transfer. They typically offer competitive exchange rates and lower fees than traditional banks. Customers may also choose digital MTOs for their capabilities to send small amounts or because they offer more diverse delivery options such as mobile money and cash pickup.
Remittance Type: Stronger emphasis on favorable exchange rates and cost efficiency in outward remittance
Inward digital remittance refers to the electronic transfer of funds into a country from abroad. This type of remittance is often received by family members or friends from individuals working in foreign countries. The need for inward digital remittance arises from supporting the financial needs of those back home, paying for expenses such as education or medical bills, or investing in local businesses.
Outward digital remittance involves sending funds from one country to a recipient in another. This form of remittance is common among immigrants and expatriates who need to send financial support back home. The key considerations for providers in this segment are competitive exchange rates, minimal transfer delay, and streamlined user experience.
End-User: Expanding application of digital remittance in businesses
In digital remittance, businesses are major stakeholders in cross-border transactions, payroll distribution, and payment for goods and services. There is a need-based preference among businesses for solutions that offer competitive exchange rates, high transaction speeds, robust security protocols, and seamless integration with their existing financial systems. Personal users of digital remittance services include immigrants, students studying abroad, and individuals supporting family members overseas. Their preferences favor services with minimal fees, user-friendly interfaces, dependable customer service, and rapid transfer capabilities.
Regional Insights
In the Americas, the United States represents a significant hub for digital remittance due to its large immigrant population sending money overseas. In Canada, similar trends are observed, focusing on convenience and security, driving the adoption of digital channels. Both countries exhibit sophisticated consumer behavior with a predilection towards brands that offer transparent pricing, rapid transaction times, and multi-channel customer service. The EMEA region, which encompasses Europe, the Middle East, and Africa, presents diverse market dynamics. In the European Union, strong regulatory frameworks such as PSD2 have facilitated a surge in fintech innovations, creating a competitive landscape for cross-border payments. The Middle East shows vast potential with its sizable expatriate workforce, yet the digital infrastructure is still developing. Africa is rapidly embracing mobile money solutions, particularly in East Africa, with services such as M-Pesa driving financial inclusion.
The Asia Pacific region, particularly China, India, and Japan, is a hotspot for digital remittance, propelled by expansive mobile adoption and increasing digital literacy. China's market is dominated by tech giants such as Alipay and WeChat Pay, which offer remittance services as part of their financial ecosystem. In India, the remittance market has been revolutionized by government initiatives such as the Unified Payment Interface (UPI), which has accelerated the adoption of digital payments. Japan's market, while more mature, is striving for innovation through mobile apps and fintech solutions to maintain growth momentum.
FPNV Positioning Matrix
The FPNV Positioning Matrix is pivotal in evaluating the Digital Remittance Market. It offers a comprehensive assessment of vendors, examining key metrics related to Business Strategy and Product Satisfaction. This in-depth analysis empowers users to make well-informed decisions aligned with their requirements. Based on the evaluation, the vendors are then categorized into four distinct quadrants representing varying levels of success: Forefront (F), Pathfinder (P), Niche (N), or Vital (V).
Market Share Analysis
The Market Share Analysis is a comprehensive tool that provides an insightful and in-depth examination of the current state of vendors in the Digital Remittance Market. By meticulously comparing and analyzing vendor contributions in terms of overall revenue, customer base, and other key metrics, we can offer companies a greater understanding of their performance and the challenges they face when competing for market share. Additionally, this analysis provides valuable insights into the competitive nature of the sector, including factors such as accumulation, fragmentation dominance, and amalgamation traits observed over the base year period studied. With this expanded level of detail, vendors can make more informed decisions and devise effective strategies to gain a competitive edge in the market.
Key Company Profiles
The report delves into recent significant developments in the Digital Remittance Market, highlighting leading vendors and their innovative profiles. These include American Express Company, Azimo Limited, Citigroup, Inc., Digital Wallet Corporation, Flywire Corporation, GoCardless Ltd., Mastercard Incorporated, Mavro Imaging, Moneygram International, Inc., Nium Pte. Ltd., OFX Group Limited, Okremit by Asian Net Co., Ltd., OrbitRemit Limited, OSP Labs, PayPal Holdings, Inc., Remitly Global, Inc., Ripple Labs Inc., The Currency Cloud Limited, The Western Union Company, Touch 'n Go Sdn Bhd, TransferGo Ltd., UAE Exchange, Wise Payments Limited, and WorldRemit Limited.
Market Segmentation & Coverage
1. Market Penetration: It presents comprehensive information on the market provided by key players.
2. Market Development: It delves deep into lucrative emerging markets and analyzes the penetration across mature market segments.
3. Market Diversification: It provides detailed information on new product launches, untapped geographic regions, recent developments, and investments.
4. Competitive Assessment & Intelligence: It conducts an exhaustive assessment of market shares, strategies, products, certifications, regulatory approvals, patent landscape, and manufacturing capabilities of the leading players.
5. Product Development & Innovation: It offers intelligent insights on future technologies, R&D activities, and breakthrough product developments.
1. What is the market size and forecast of the Digital Remittance Market?
2. Which products, segments, applications, and areas should one consider investing in over the forecast period in the Digital Remittance Market?
3. What are the technology trends and regulatory frameworks in the Digital Remittance Market?
4. What is the market share of the leading vendors in the Digital Remittance Market?
5. Which modes and strategic moves are suitable for entering the Digital Remittance Market?