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デジタル送金の世界市場：手数料タイプ別、チャネル別、エンドユーザー別 - 機会分析と産業予測、2024年～2033年

Digital Remittance Market By Fee Type (Inward, Outward), By Channel (Banks, Money Transfer Operators, Others), By End User (Business, Personal): Global Opportunity Analysis and Industry Forecast, 2024-2033

出版日
ページ情報
英文 276 Pages
納期
2～3営業日
価格
価格表記: USDを日本円(税抜)に換算
本日の銀行送金レート: 1USD=143.57円
デジタル送金の世界市場：手数料タイプ別、チャネル別、エンドユーザー別 - 機会分析と産業予測、2024年～2033年
出版日: 2024年12月01日
発行: Allied Market Research
ページ情報: 英文 276 Pages
納期: 2～3営業日
GIIご利用のメリット
  • 全表示
  • 概要
  • 目次
概要

デジタル送金市場の2023年の市場規模は201億9,000万米ドルで、2033年には1,021億4,960万米ドルに達すると推定され、2024年から2033年までのCAGRは17.4%です。

Digital Remittance Market-IMG1

デジタル送金とは、多くの場合モバイルアプリ、オンラインバンキング、送金専用ウェブサイトなどのデジタルプラットフォームを使って、国境を越えて電子的に送金するプロセスを指します。物理的な代理店や現金の取り扱いに依存する従来の送金方法とは異なり、デジタル送金は先進技術を活用し、国際送金をより迅速、安全、かつ費用対効果の高いソリューションとして提供しています。個人、特に出稼ぎ労働者が、さまざまな国にいる家族に送金するために広く利用されています。

世界のデジタル送金市場は、特に新興国におけるスマートフォンの普及やインターネットアクセスの強化などの要因により、堅調な成長を遂げています。GSMA Mobile Connectivity Index（170カ国と7つのサブリージョンをカバーする世界のモバイル接続とデジタル経済ガイド）が発表した調査によると、2022年には約46億人がモバイルインターネットユーザーとなります。さらに、2020年には2億8,100万人の海外移住者が発生すると推定される（World Migration Report 2024による）ことから、シームレスで効率的な送金ソリューションに対する需要は大幅に急増し、デジタル送金プラットフォームの導入が促進されています。さらに、デジタル送金サービスは、銀行口座を持たない人々や銀行口座を持たない人々に正式な金融システムへのアクセスを提供し、市場の成長を促進します。例えば、デジタルウォレットやモバイルマネーサービスは、サハラ以南のアフリカのような地域におけるギャップを埋めています。さらに、COVID-19の大流行は、移動の制限や非接触型取引の必要性から、現金ベースからデジタル決済への移行を加速させ、デジタル送金市場の成長を後押ししています。しかし、取引手数料が高いことが市場成長の大きな妨げとなっています。また、アフリカや南アジアの農村部ではデジタルインフラが不十分なため、デジタル送金プラットフォームの導入が制限されています。逆に、AI、ブロックチェーン、APIベースのプラットフォームを取り入れることで、プロセスが合理化され、より迅速で信頼性が高く、スケーラブルな送金サービスが保証されています。特にブロックチェーンは、費用対効果が高く安全な送金を可能にすることで人気を集めています。こうした進展は、予測期間中の世界市場拡大に有益な機会を提供すると期待されています。

デジタル送金市場は、手数料タイプ、チャネル、エンドユーザー、地域に区分されます。手数料タイプに基づき、市場は対内向けと対外向けに二分されます。チャネル別では、銀行、送金業者、その他に分類されます。エンドユーザー別では、個人向けとビジネス向けに細分化されます。地域別では、北米、欧州、アジア太平洋、ラテンアメリカ・中東・アフリカで分析されます。

主な調査結果

手数料タイプ別では、2023年は外向きが市場を独占しました。

チャネル別では、2023年の世界のデジタル送金市場シェアは送金業者セグメントが独占し、2024年から2033年にかけて最も高いCAGRを記録すると予測されます。

エンドユーザー別では、個人セグメントが2023年に最も高い成長を示しました。

地域別では、2023年にラテンアメリカ・中東・アフリカがデジタル送金市場で最も高い市場シェアを獲得したが、予測期間中はアジア太平洋地域が最も高い成長率を示すと予測されています。

競合分析

利害関係者にとっての主なメリット

本調査では、デジタル送金市場の予測を現在および将来の動向とともに詳細に分析し、差し迫った投資ポケットを説明します。

主な市場促進要因、抑制要因、機会、およびデジタル送金市場動向への影響分析に関する情報を掲載しています。

ポーターのファイブフォース分析では、業界で活動するバイヤーとサプライヤーの影響力を図解しています。

2023年から2033年までのデジタル送金市場の定量分析を提供し、市場の可能性を判断します。

本レポートで可能なカスタマイズ（追加費用とスケジュールが必要です。）

  • エンドユーザーの嗜好とペインポイント
  • 産業のライフサイクル評価：地域別
  • 製品ベンチマーク／製品仕様と用途
  • 製品ライフサイクル
  • セナリオ分析と成長動向比較
  • 技術動向分析
  • 市場参入戦略
  • 製品/セグメント別の市場セグメンテーション
  • 主要企業の新製品開発/製品マトリックス
  • ペインポイント分析
  • 規制ガイドライン
  • 戦略的提言
  • クライアントの関心に特化した追加企業プロファイル
  • 国別または地域別の追加分析 - 市場規模と予測
  • ブランドシェア分析
  • クリスクロスセグメント分析 - 市場規模と予測
  • 企業プロファイルの拡張リスト
  • 過去の市場データ
  • 世界/地域/国別の企業シェア分析
  • SWOT分析

目次

第1章 イントロダクション

第2章 エグゼクティブサマリー

第3章 市場概要

  • 市場の定義と範囲
  • 主な調査結果
    • 影響要因
    • 主な投資機会
  • ポーターのファイブフォース分析
  • 市場力学
    • 促進要因
      • スマートフォンとインターネット接続の普及
      • 移民人口の増加と国境を越えた送金の必要性
      • フィンテックとデジタル決済技術の進歩
    • 抑制要因
      • 規制上の制約とコンプライアンス要件
      • オンライン取引に伴うセキュリティ上の懸念とリスク
    • 機会
      • 新興市場における未開拓の可能性

第4章 デジタル送金市場：手数料タイプ別

  • 概要
  • 対内
  • 対外

第5章 デジタル送金市場：チャネル別

  • 概要
  • 銀行
  • 送金オペレーター
  • その他

第6章 デジタル送金市場：エンドユーザー別

  • 概要
  • 企業
  • 個人

第7章 デジタル送金市場：地域別

  • 概要
  • 北米
    • 米国
    • カナダ
  • 欧州
    • 英国
    • ドイツ
    • フランス
    • イタリア
    • スペイン
    • その他
  • アジア太平洋
    • 中国
    • 日本
    • インド
    • オーストラリア
    • 韓国
    • その他
  • ラテンアメリカ
    • ラテンアメリカ
    • 中東
    • アフリカ

第8章 競合情勢

  • イントロダクション
  • 主要成功戦略
  • 主要10社の製品マッピング
  • 競合ダッシュボード
  • 競合ヒートマップ
  • 主要企業のポジショニング（2023年）

第9章 企業プロファイル

  • Nium Pte. Ltd.
  • Wise Payments Limited
  • Western Union Holdings, Inc.
  • Ria Financial Services
  • Digital Wallet Inc.
  • TransferGo Ltd.
  • WorldRemit
  • MoneyGram.
  • PayPal Holdings Inc.
  • Remitly, Inc.
目次
Product Code: A02630

The digital remittance market was valued at $20,190.0 million in 2023 and is estimated to reach $102,149.6 million by 2033, exhibiting a CAGR of 17.4% from 2024 to 2033.

Digital Remittance Market - IMG1

Digital remittance refers to the process of transferring money electronically across borders using digital platforms, often through mobile apps, online banking, or dedicated remittance websites. Unlike traditional money transfer methods that rely on physical agents or cash handling, digital remittance leverages advanced technology to provide faster, more secure, and cost-effective solutions for sending money internationally. It is widely used by individuals, particularly migrant workers, to send funds to their families in different countries.

The global digital remittance market is witnessing robust growth due to factors such as increase in smartphone penetration and enhanced internet access, particularly in emerging economies. According to a study published by the GSMA Mobile Connectivity Index-a global mobile connectivity and digital economy guide covering 170 countries and 7 sub-regions-approximately 4.6 billion individuals were mobile internet users in 2022. In addition, with an estimated 281 million international migrants in 2020-as stated by the World Migration Report 2024-the demand for seamless and efficient money transfer solutions has surged significantly, driving the adoption of digital remittance platforms. Moreover, digital remittance services provide unbanked and underbanked populations access to the formal financial system, which fosters the market growth. For instance, digital wallets and mobile money services are bridging the gap in regions like sub-Saharan Africa. Furthermore, the outbreak of the COVID-19 pandemic accelerated the shift from cash-based to digital payments due to mobility restrictions and the need for contactless transactions, thereby augmenting the growth of the digital remittance market. However, high transaction fees significantly hampers the market growth. In addition, inadequate digital infrastructure in rural parts of Africa or South Asia limits the adoption of digital remittance platforms. On the contrary, the incorporation of AI, blockchain, and API-based platforms has streamlined processes, ensuring faster, more reliable, and scalable remittance services. Blockchain, in particular, has gained traction for enabling cost-effective and secure transfers. Such developments are expected to offer remunerative opportunities for the expansion of the global market during the forecast period.

The digital remittance market is segmented into fee type, channel, end user, and region. On the basis of fee type, the market is bifurcated into inward and outward. Depending on channel, it is segregated into banks, money transfer operators, and others. By end user, it is fragmented into personal and business. Region wise, it is analyzed across North America, Europe, Asia-Pacific, and LAMEA.

Key Findings

Depending on fee type, the outward dominated the market in 2023.

On the basis of channel, the global digital remittance market share was dominated by the money transfer operators segment in 2023, and is expected to register the highest CAGR from 2024 to 2033.

By end user, the personal segment exhibited the highest growth in 2023.

Region wise, LAMEA attained the highest market share in the digital remittance market in 2023; however, Asia-Pacific is projected to grow at the highest rate during the forecast period.

Competitive Analysis

The key players operating in the digital remittance market include Remitly, Inc., Wise Payments Limited, Western Union Holdings, Inc., Ria Financial Services, Digital Wallet Inc., TransferGo Ltd., WorldRemit, MoneyGram., PayPal Holdings Inc., and Nium Pte. Ltd. These players have adopted various strategies such as acquisition, agreement, collaboration, joint venture, partnership, and product launch to increase their market penetration and strengthen their position in the competitive market.

Key Benefits for Stakeholders

The study provides an in-depth analysis of the digital remittance market forecast along with the current and future trends to explain the imminent investment pockets.

Information about key drivers, restraints, and opportunities and their impact analysis on digital remittance market trends is provided in the report.

The Porter's five forces analysis illustrates the potency of the buyers and suppliers operating in the industry.

The quantitative analysis of the digital remittance market from 2023 to 2033 is provided to determine the market potential.

Additional benefits you will get with this purchase are:

  • Quarterly Update and* (only available with a corporate license, on listed price)
  • 5 additional Company Profile of client Choice pre- or Post-purchase, as a free update.
  • Free Upcoming Version on the Purchase of Five and Enterprise User License.
  • 16 analyst hours of support* (post-purchase, if you find additional data requirements upon review of the report, you may receive support amounting to 16 analyst hours to solve questions, and post-sale queries)
  • 15% Free Customization* (in case the scope or segment of the report does not match your requirements, 15% is equivalent to 3 working days of free work, applicable once)
  • Free data Pack on the Five and Enterprise User License. (Excel version of the report)
  • Free Updated report if the report is 6-12 months old or older.
  • 24-hour priority response*
  • Free Industry updates and white papers.

Possible Customization with this report (with additional cost and timeline, please talk to the sales executive to know more)

  • End user preferences and pain points
  • Industry life cycle assessment, by region
  • Product Benchmarking / Product specification and applications
  • Product Life Cycles
  • Senario Analysis & Growth Trend Comparision
  • Technology Trend Analysis
  • Go To Market Strategy
  • Market share analysis of players by products/segments
  • New Product Development/ Product Matrix of Key Players
  • Pain Point Analysis
  • Regulatory Guidelines
  • Strategic Recommedations
  • Additional company profiles with specific to client's interest
  • Additional country or region analysis- market size and forecast
  • Brands Share Analysis
  • Criss-cross segment analysis- market size and forecast
  • Expanded list for Company Profiles
  • Historic market data
  • Market share analysis of players at global/region/country level
  • SWOT Analysis

Key Market Segments

By Fee Type

  • Inward
  • Outward

By Channel

  • Banks
  • Money Transfer Operators
  • Others

By End User

  • Business
  • Personal

By Region

  • North America
    • U.S.
    • Canada
  • Europe
    • UK
    • Germany
    • France
    • Italy
    • Spain
    • Rest of Europe
  • Asia-Pacific
    • China
    • Japan
    • India
    • Australia
    • South Korea
    • Rest of Asia-Pacific
  • LAMEA
    • Latin America
    • Middle East
    • Africa

Key Market Players:

    • Western Union Holdings, Inc.
    • Nium Pte. Ltd.
    • PayPal Holdings Inc.
    • Digital Wallet Inc.
    • TransferGo Ltd.
    • WorldRemit
    • MoneyGram.
    • Wise Payments Limited
    • Remitly, Inc.
    • Ria Financial Services

TABLE OF CONTENTS

CHAPTER 1: INTRODUCTION

  • 1.1. Report description
  • 1.2. Key market segments
  • 1.3. Key benefits to the stakeholders
  • 1.4. Research methodology
    • 1.4.1. Primary research
    • 1.4.2. Secondary research
    • 1.4.3. Analyst tools and models

CHAPTER 2: EXECUTIVE SUMMARY

  • 2.1. CXO perspective

CHAPTER 3: MARKET OVERVIEW

  • 3.1. Market definition and scope
  • 3.2. Key findings
    • 3.2.1. Top impacting factors
    • 3.2.2. Top investment pockets
  • 3.3. Porter's five forces analysis
    • 3.3.1. Moderate bargaining power of suppliers
    • 3.3.2. Moderate threat of new entrants
    • 3.3.3. Low to moderate threat of substitutes
    • 3.3.4. Moderate to high intensity of rivalry
    • 3.3.5. Low to moderate bargaining power of buyers
  • 3.4. Market dynamics
    • 3.4.1. Drivers
      • 3.4.1.1. Increasing adoption of smartphones and internet connectivity
      • 3.4.1.2. Growing migrant population and the need for cross-border money transfers
      • 3.4.1.3. Advancements in fintech and digital payment technologies
    • 3.4.2. Restraints
      • 3.4.2.1. Regulatory constraints and compliance requirements
      • 3.4.2.2. Security concerns and risks associated with online transactions
    • 3.4.3. Opportunities
      • 3.4.3.1. Untapped potential in emerging markets

CHAPTER 4: DIGITAL REMITTANCE MARKET, BY FEE TYPE

  • 4.1. Overview
    • 4.1.1. Market size and forecast
  • 4.2. Inward
    • 4.2.1. Key market trends, growth factors and opportunities
    • 4.2.2. Market size and forecast, by region
    • 4.2.3. Market share analysis by country
  • 4.3. Outward
    • 4.3.1. Key market trends, growth factors and opportunities
    • 4.3.2. Market size and forecast, by region
    • 4.3.3. Market share analysis by country

CHAPTER 5: DIGITAL REMITTANCE MARKET, BY CHANNEL

  • 5.1. Overview
    • 5.1.1. Market size and forecast
  • 5.2. Banks
    • 5.2.1. Key market trends, growth factors and opportunities
    • 5.2.2. Market size and forecast, by region
    • 5.2.3. Market share analysis by country
  • 5.3. Money Transfer Operators
    • 5.3.1. Key market trends, growth factors and opportunities
    • 5.3.2. Market size and forecast, by region
    • 5.3.3. Market share analysis by country
  • 5.4. Others
    • 5.4.1. Key market trends, growth factors and opportunities
    • 5.4.2. Market size and forecast, by region
    • 5.4.3. Market share analysis by country

CHAPTER 6: DIGITAL REMITTANCE MARKET, BY END USER

  • 6.1. Overview
    • 6.1.1. Market size and forecast
  • 6.2. Business
    • 6.2.1. Key market trends, growth factors and opportunities
    • 6.2.2. Market size and forecast, by region
    • 6.2.3. Market share analysis by country
  • 6.3. Personal
    • 6.3.1. Key market trends, growth factors and opportunities
    • 6.3.2. Market size and forecast, by region
    • 6.3.3. Market share analysis by country

CHAPTER 7: DIGITAL REMITTANCE MARKET, BY REGION

  • 7.1. Overview
    • 7.1.1. Market size and forecast By Region
  • 7.2. North America
    • 7.2.1. Key market trends, growth factors and opportunities
    • 7.2.2. Market size and forecast, by Fee Type
    • 7.2.3. Market size and forecast, by Channel
    • 7.2.4. Market size and forecast, by End User
    • 7.2.5. Market size and forecast, by country
      • 7.2.5.1. U.S.
      • 7.2.5.1.1. Market size and forecast, by Fee Type
      • 7.2.5.1.2. Market size and forecast, by Channel
      • 7.2.5.1.3. Market size and forecast, by End User
      • 7.2.5.2. Canada
      • 7.2.5.2.1. Market size and forecast, by Fee Type
      • 7.2.5.2.2. Market size and forecast, by Channel
      • 7.2.5.2.3. Market size and forecast, by End User
  • 7.3. Europe
    • 7.3.1. Key market trends, growth factors and opportunities
    • 7.3.2. Market size and forecast, by Fee Type
    • 7.3.3. Market size and forecast, by Channel
    • 7.3.4. Market size and forecast, by End User
    • 7.3.5. Market size and forecast, by country
      • 7.3.5.1. UK
      • 7.3.5.1.1. Market size and forecast, by Fee Type
      • 7.3.5.1.2. Market size and forecast, by Channel
      • 7.3.5.1.3. Market size and forecast, by End User
      • 7.3.5.2. Germany
      • 7.3.5.2.1. Market size and forecast, by Fee Type
      • 7.3.5.2.2. Market size and forecast, by Channel
      • 7.3.5.2.3. Market size and forecast, by End User
      • 7.3.5.3. France
      • 7.3.5.3.1. Market size and forecast, by Fee Type
      • 7.3.5.3.2. Market size and forecast, by Channel
      • 7.3.5.3.3. Market size and forecast, by End User
      • 7.3.5.4. Italy
      • 7.3.5.4.1. Market size and forecast, by Fee Type
      • 7.3.5.4.2. Market size and forecast, by Channel
      • 7.3.5.4.3. Market size and forecast, by End User
      • 7.3.5.5. Spain
      • 7.3.5.5.1. Market size and forecast, by Fee Type
      • 7.3.5.5.2. Market size and forecast, by Channel
      • 7.3.5.5.3. Market size and forecast, by End User
      • 7.3.5.6. Rest of Europe
      • 7.3.5.6.1. Market size and forecast, by Fee Type
      • 7.3.5.6.2. Market size and forecast, by Channel
      • 7.3.5.6.3. Market size and forecast, by End User
  • 7.4. Asia-Pacific
    • 7.4.1. Key market trends, growth factors and opportunities
    • 7.4.2. Market size and forecast, by Fee Type
    • 7.4.3. Market size and forecast, by Channel
    • 7.4.4. Market size and forecast, by End User
    • 7.4.5. Market size and forecast, by country
      • 7.4.5.1. China
      • 7.4.5.1.1. Market size and forecast, by Fee Type
      • 7.4.5.1.2. Market size and forecast, by Channel
      • 7.4.5.1.3. Market size and forecast, by End User
      • 7.4.5.2. Japan
      • 7.4.5.2.1. Market size and forecast, by Fee Type
      • 7.4.5.2.2. Market size and forecast, by Channel
      • 7.4.5.2.3. Market size and forecast, by End User
      • 7.4.5.3. India
      • 7.4.5.3.1. Market size and forecast, by Fee Type
      • 7.4.5.3.2. Market size and forecast, by Channel
      • 7.4.5.3.3. Market size and forecast, by End User
      • 7.4.5.4. Australia
      • 7.4.5.4.1. Market size and forecast, by Fee Type
      • 7.4.5.4.2. Market size and forecast, by Channel
      • 7.4.5.4.3. Market size and forecast, by End User
      • 7.4.5.5. South Korea
      • 7.4.5.5.1. Market size and forecast, by Fee Type
      • 7.4.5.5.2. Market size and forecast, by Channel
      • 7.4.5.5.3. Market size and forecast, by End User
      • 7.4.5.6. Rest of Asia-Pacific
      • 7.4.5.6.1. Market size and forecast, by Fee Type
      • 7.4.5.6.2. Market size and forecast, by Channel
      • 7.4.5.6.3. Market size and forecast, by End User
  • 7.5. LAMEA
    • 7.5.1. Key market trends, growth factors and opportunities
    • 7.5.2. Market size and forecast, by Fee Type
    • 7.5.3. Market size and forecast, by Channel
    • 7.5.4. Market size and forecast, by End User
    • 7.5.5. Market size and forecast, by country
      • 7.5.5.1. Latin America
      • 7.5.5.1.1. Market size and forecast, by Fee Type
      • 7.5.5.1.2. Market size and forecast, by Channel
      • 7.5.5.1.3. Market size and forecast, by End User
      • 7.5.5.2. Middle East
      • 7.5.5.2.1. Market size and forecast, by Fee Type
      • 7.5.5.2.2. Market size and forecast, by Channel
      • 7.5.5.2.3. Market size and forecast, by End User
      • 7.5.5.3. Africa
      • 7.5.5.3.1. Market size and forecast, by Fee Type
      • 7.5.5.3.2. Market size and forecast, by Channel
      • 7.5.5.3.3. Market size and forecast, by End User

CHAPTER 8: COMPETITIVE LANDSCAPE

  • 8.1. Introduction
  • 8.2. Top winning strategies
  • 8.3. Product mapping of top 10 player
  • 8.4. Competitive dashboard
  • 8.5. Competitive heatmap
  • 8.6. Top player positioning, 2023

CHAPTER 9: COMPANY PROFILES

  • 9.1. Nium Pte. Ltd.
    • 9.1.1. Company overview
    • 9.1.2. Key executives
    • 9.1.3. Company snapshot
    • 9.1.4. Operating business segments
    • 9.1.5. Product portfolio
  • 9.2. Wise Payments Limited
    • 9.2.1. Company overview
    • 9.2.2. Key executives
    • 9.2.3. Company snapshot
    • 9.2.4. Operating business segments
    • 9.2.5. Product portfolio
    • 9.2.6. Business performance
  • 9.3. Western Union Holdings, Inc.
    • 9.3.1. Company overview
    • 9.3.2. Key executives
    • 9.3.3. Company snapshot
    • 9.3.4. Operating business segments
    • 9.3.5. Product portfolio
    • 9.3.6. Business performance
  • 9.4. Ria Financial Services
    • 9.4.1. Company overview
    • 9.4.2. Key executives
    • 9.4.3. Company snapshot
    • 9.4.4. Operating business segments
    • 9.4.5. Product portfolio
    • 9.4.6. Key strategic moves and developments
  • 9.5. Digital Wallet Inc.
    • 9.5.1. Company overview
    • 9.5.2. Key executives
    • 9.5.3. Company snapshot
    • 9.5.4. Operating business segments
    • 9.5.5. Product portfolio
    • 9.5.6. Key strategic moves and developments
  • 9.6. TransferGo Ltd.
    • 9.6.1. Company overview
    • 9.6.2. Key executives
    • 9.6.3. Company snapshot
    • 9.6.4. Operating business segments
    • 9.6.5. Product portfolio
  • 9.7. WorldRemit
    • 9.7.1. Company overview
    • 9.7.2. Key executives
    • 9.7.3. Company snapshot
    • 9.7.4. Operating business segments
    • 9.7.5. Product portfolio
  • 9.8. MoneyGram.
    • 9.8.1. Company overview
    • 9.8.2. Key executives
    • 9.8.3. Company snapshot
    • 9.8.4. Operating business segments
    • 9.8.5. Product portfolio
  • 9.9. PayPal Holdings Inc.
    • 9.9.1. Company overview
    • 9.9.2. Key executives
    • 9.9.3. Company snapshot
    • 9.9.4. Operating business segments
    • 9.9.5. Product portfolio
    • 9.9.6. Business performance
  • 9.10. Remitly, Inc.
    • 9.10.1. Company overview
    • 9.10.2. Key executives
    • 9.10.3. Company snapshot
    • 9.10.4. Operating business segments
    • 9.10.5. Product portfolio
    • 9.10.6. Business performance