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世界の送金市場-2023-2030

Global Remittance Market - 2023-2030
出版日: | 発行: DataM Intelligence | ページ情報: 英文 205 Pages | 納期: 約2営業日

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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=156.76円
世界の送金市場-2023-2030
出版日: 2023年02月14日
発行: DataM Intelligence
ページ情報: 英文 205 Pages
納期: 約2営業日
ご注意事項 :
本レポートは最新情報反映のため適宜更新し、内容構成変更を行う場合があります。ご検討の際はお問い合わせください。
  • 全表示
  • 概要
  • 目次
概要

市場概要

世界の送金市場規模は予測期間（2023年～2030年）に大きく成長する見込みです。

ある当事者から別の当事者へ送られる金銭は、送金と呼ばれます。送金とは、広義には請求書や請求書に応じた支払いと定義することができます。送金とは、外国人移民が電子送金、手形、小切手などを使って行う国境を越えた資金移動のことです。

さらに、ほとんどの送金サービス事業者は、事業を拡大し、より迅速で簡単な送金オプションを顧客に提供するために、デジタル送金を重視しています。高速性、24時間利用可能、透明性、利便性、高いセキュリティなど、多くの利点を持つデジタルチャネルを送金に利用することで、送金部門に幅広い選択肢を提供することができるのです。

市場力学

市場拡大の主な要因は、送金費用や処理時間の減少、クロスボーダー取引の増加です。しかし、送金の仕組みに関する知識が不足していることが、この分野の拡大を阻んでいます。

送金コストと送金時間の削減

携帯電話技術、モバイルマネー、デジタル通貨、分散型台帳、電子IDなど、送金のためのデジタル送金ネットワークの普及により、国境を越えた決済は安価、迅速、監査可能で、誰もが利用できるようになりました。デジタル送金の拡大により、送金国、受取国ともに高い取引コストを維持している現金代理店への依存度が低下することが予想されます。

また、セキュリティやKYC（Know-Your-Customer Program）に関連する多くのリスク、困難、経費を削減することが期待されます。その結果、銀行や送金事業者はデジタル技術を利用して、従来の店頭サービスよりも大幅に低いコストで送金サービスを提供することができ、同地域でのデジタル送金の受け入れを促進しています。さらに、最新技術の採用や政府主導の啓蒙活動により、送金にかかる費用は大幅に削減されています。

国境を越えた取引の増加

アジア太平洋地域の決済動向は、国境を越えた取引の増加、モバイルバンキングやモバイルベースの決済ソリューションへの移行が主流となっており、これが送金部門の拡大に拍車をかけると予想されます。さらに、世界の移民の増加、国際貿易、経済パターンの変化が原因です。また、近年のクロスボーダー決済の発展により、リアルタイムの国際決済が現実のものとなる可能性もあります。

送金市場の拡大に伴い、多数の機関がリレーションシップ重視の戦略を採用し、オンタイムの国境を越えた送金と付加価値の高いサービスの提供に取り組んでいます。例えば、2022年9月、HSBCインドは国際取引の簡素化を目的としたデジタルサービス「HSBC UniTransact」を導入しました。このサービスは、取引銀行関連のすべてのコンポーネントをシームレスに統合するワンストップショップであると同時に、取引の旅を通して手動による介入を最小限に抑えることができます。

認知度の低さ

市場の拡大は、デジタル送金サービスに関する消費者の知識の低さや送金コストの高さによって妨げられると予想されます。また、テロ資金やマネーロンダリングなどのセキュリティ上の障害が、予測期間中の市場拡大の可能性に影響を与える可能性があります。サイバー攻撃やセキュリティの不備により、市場の拡大の可能性が脆弱になります。

COVID-19の影響分析

COVID-19の世界の流行拡大や経済危機の進行により、出稼ぎ労働者の仕送りが減少し、送金部門の需要が減少しています。さらに、世界銀行のMigration and Development Briefで明らかにされた最新の予測によると、2020年のCOVID-19以前の水準と比較して、2022年までに14%減少すると予測されています。

中低所得国（LMICs）への送金は、2021年に7.0%減の5080億米ドルとなった後、2022年には7.5%減の4700億米ドルになると予想されています。移民受入国の経済成長や雇用水準の低迷、原油価格の低下、米国ドルに対する送金元国の通貨切り下げなどが、送金産業の落ち込みの主な原因となっています。また、新興国ではデジタル決済の普及が進んでおり、現金に代わる電子財布の利用が大幅に拡大しています。さらに、低・中所得国では、モバイルマネーサービスの利用が着実に増加しています。

目次

第1章 世界の送金市場の調査手法と範囲

  • 調査手法
  • 調査目的と調査範囲

第2章 送金の世界市場-市場の定義と概要

第3章 送金の世界市場-エグゼクティブサマリー

  • 製品別市場内訳
  • アプリケーション別市場内訳
  • エンドユーザー別市場内訳
  • 地域別市場内訳

第4章 世界の送金市場-市場力学

  • 市場影響要因
    • 促進要因
      • 送金コストと送金時間の削減
      • クロスボーダー取引の増加
    • 抑制要因
      • 認知度の低さ
    • ビジネスチャンス
    • 影響分析

第5章 世界の送金市場-産業分析

  • ポーターのファイブフォース分析
  • サプライチェーン分析
  • プライシング分析
  • 規制分析

第6章 世界の送金市場-COVID-19分析

  • COVID-19の市場に関する分析
    • COVID-19導入前の市場シナリオ
    • COVID-19の現在の市場シナリオ
    • COVID-19以降、または将来のシナリオ
  • COVID-19の中でのプライシングダイナミクス
  • 需要-供給スペクトラム
  • パンデミック時の市場に関連する政府の取り組み
  • メーカーの戦略的な取り組み
  • まとめ

第7章 送金の世界市場- 製品別

  • 銀行送金サービス
  • 送金アプリ
  • その他

第8章 送金の世界市場-アプリケーション別

  • 消費
  • 貯蓄
  • 投資

第9章 送金の世界市場-エンドユーザー別

  • 個人
  • ビジネス
  • 公共

第10章 送金の世界市場-地域別

  • 北米
    • 米国
    • カナダ
    • メキシコ
  • 欧州
    • ドイツ
    • 英国
    • フランス
    • イタリア
    • スペイン
    • その他欧州
  • 南米
    • ブラジル
    • アルゼンチン
    • その他の南米地域
  • アジア太平洋地域
    • 中国
    • インド
    • 日本
    • オーストラリア
    • その他アジア太平洋地域
  • 中東・アフリカ地域

第11章 世界の送金市場- 競争情勢

  • 競合シナリオ
  • 市況/シェア分析
  • M&A（合併・買収）分析

第12章 送金の世界市場-企業プロファイル

  • Bank of America
    • 企業概要
    • 製品ポートフォリオと説明
    • 主なハイライト
    • 財務概要
  • Citigroup Inc.
  • JP Morgan Chase & Co.
  • Moneygram International Inc.
  • WorldRemit Ltd.
  • Ria Financial Outward Remittance
  • Banco Bradesco Sa
  • Euronet globally, Inc.
  • Azimo Ltd.
  • TransferWise Ltd.

第13章 世界の送金市場- 重要考察

第14章 世界の送金市場-DataM

目次
Product Code: DMICT6219

Market Overview

The global remittance market size was worth US$ XX million in 2022 and is estimated to reach US$ XX million by 2030, growing at a CAGR of YY% during the forecast period (2023-2030).

Money sent from one party to another is referred to as a remittance. Remittances can broadly be defined as any payment made in response to an invoice or bill. Remittances are cross-border transfers of funds made by foreign migrants using electronic funds transfers, draughts and checks.

Additionally, most remittance service providers emphasize digital remittance to grow their businesses and offer customers faster and easier transfer options. The use of digital channels, which have many advantages, including fast speed, availability 24 hours a day, transparency, convenience of use, high security and others, to transmit money opens up a wide range of options for the remittance sector.

Market Dynamics

The primary drivers of market expansion are the decline in remittance expenses and processing times and the rise in cross-border transactions. But a lack of knowledge about remittance mechanisms can prevent the sector from expanding.

Reducing remittance costs and transfer time

Due to the widespread usage of digital transfer networks for sending money, such as mobile phone technology, mobile money, digital currencies, distributed ledgers, electronic identities and others, cross-border payments have become inexpensive, rapid, auditable and available to everyone. The expansion of digital remittance is anticipated to lessen reliance on cash agents, which is currently maintaining high transaction costs in sending and receiving nations.

It is also anticipated to reduce many risks, difficulties and expenses related to security and know-your-customer programs (KYC). As a result, digital technology is used by banks and money transfer businesses to provide remittance services at significantly lower costs than traditional over-the-counter services, encouraging acceptance of digital remittance in the region. Furthermore, remittance expenses are greatly reduced through the employment of contemporary technologies and government-led public awareness campaigns.

The increasing cross-border transactions

Payment trends in Asia-Pacific are dominated by an increase in cross-border transactions and a shift toward mobile banking and mobile-based payment solutions, which is anticipated to fuel the expansion of the remittance sector. Additionally, due to increased global migration, international trade and changing economic patterns. Real-time international payments may also become a reality due to recent cross-border payment developments.

As the remittance market expands, numerous institutions are working to provide on-time cross-border remittances and value-added services by employing a relationship-centric strategy. For instance, in September 2022, HSBC India introduced HSBC UniTransact, a digital offering designed to simplify international transactions. The service is a one-stop shop that gives customers the seamless integration of all transaction banking-related components while minimizing manual intervention throughout the transaction journey.

The lack of awareness

Market expansion is anticipated to be hampered by low consumer knowledge of digital remittance services and high transfer costs. Additionally, security obstacles, including funding for terrorism and money laundering, may affect the market's possibilities for expansion during the projection period. The market's potential for cyberattacks and security lapses makes its potential for expansion vulnerable.

COVID-19 Impact Analysis

Due to the COVID-19 pandemic's global expansion and the ongoing economic crisis, less money was sent home by migrant workers, which reduced demand for the remittance sector. Furthermore, based on the most recent projections revealed in the Migration and Development Brief of the World Bank, it is anticipated to decrease by 14% by 2022 in comparison to the pre-COVID-19 levels in 2020.

Remittances to low- and middle-income countries (LMICs) are expected to decrease by 7.5% in 2022, to US$ 470 billion, after falling by 7.0% in 2021 to US$508 billion. Weak economic growth and job levels in migrant-hosting nations, low oil prices and currency devaluation of remittance-source nations relative to U.S. dollar are the main causes of the fall in the remittance industry. Furthermore, the use of e-wallet payments in place of cash has significantly expanded due to the rising adoption of digital payments in emerging economies. Additionally, low- and middle-income economies have seen a steady increase in the use of mobile money services.

Segment Analysis

By end-user, the remittance market is segmented into personal, business and public.

The rising global migration drives the growth of the personal segment

The personal segment is predicted to rule the market over the forecast period. Numerous new goods and services are being created to make it easier for customers to use their financial accounts. Additionally, it is anticipated that rising global migration will encourage employees to use digital remittance services to send money home.

Over the forecast period, it is anticipated that increasing smartphone and internet adoption will fuel the personal segment's growth. Innovative solutions are already starting to reshape the landscape of remittance services by providing senders of their families with greater convenience and lower costs.

Geographical Analysis

The growing adoption of mobile banking and cashless payments in Asia-Pacific

Due to the region's increasing immigrant population and increased acceptance of digital remittance, driven by quickly advancing technologies, changing customer expectations and a shifting legal environment, Asia-Pacific is predicted to experience the fastest growth. Each year, many residents of Asia-Pacific send thousands of trillions of dollars in remittances to their family, coworkers and business partners abroad.

Over the projected period, an increase in the region's use of banking and financial services is anticipated to fuel market expansion. The adoption of mobile banking, cashless transactions and mobile-based payment solutions is a major emphasis for economies like China and India, helping the growth of the regional market. Throughout the forecast period, the regional market is anticipated to see growth prospects due to increased competition from new competitors and a growing client base.

Competitive Landscape

The world's remittance market is only slightly fragmented. To strengthen their position in the market, prominent players are implementing various methods, including product innovation, partnerships, R&D projects, mergers & acquisitions, strategic joint ventures and geographic expansion. The management of money transfers between enterprises and between businesses and their clients is handled by money transfer software.

Major global remittance market companies include Bank of America, Citigroup Inc., JP Morgan Chase & Co., Moneygram International Inc., WorldRemit Ltd., Ria Financial Outward Remittance, Banco Bradesco Sa, Euronet globally, Inc., Azimo Ltd. and TransferWise Ltd.

WorldRemit Ltd.

Overview: A digital cross-border remittance company called WorldRemit offers remittance and international money transfer services in more than 130 countries and over 70 different currencies. Ismail Ahmed, Catherine Wines and Richard Igoe created it in 2010. Venture finance firms Accel Partners and Technology Crossover Ventures support WorldRemit (TCV). The company revealed a US$100 million Series B investment round headed by TCV in February 2015. John Rosenberg, the TCV General Partner, was also announced to join the board.

Product Portfolio: The company offers cross-border digital payment services of airtime top-up, bank transfer, cash pick-up and mobile money.

Key Development: WorldRemit Ltd. launched its money transfer services in Malaysia in August 2021, enabling users to send money to more than 130 destinations from Malaysia as well as 50 additional countries, including U.S. and UK Users can select from a variety of payout options for the recipient depending on their location, including payments to mobile wallets, bank deposits, mobile airtime top-ups and cash pick-up.

Why Purchase the Report?

  • Visualize the composition of the remittance market segmentation by product, application, end-user and region, highlighting the critical commercial assets and players.
  • Identify commercial opportunities in the remittance market by analyzing trends and co-development deals.
  • Excel data sheet with thousands of remittance market-level 4/5 segmentation points.
  • Pdf report with the most relevant analysis cogently put together after exhaustive qualitative interviews and in-depth market study.
  • Product mapping in excel for the key product of all major market players

The global remittance market report would provide access to an approx. 61 market data table, 52 figures and 205 pages.

Target Audience 2022

  • Remittance Service Providers/ Buyers
  • Industry Investors/Investment Bankers
  • Education & Research Institutes
  • Emerging Companies
  • Remittance Manufacturers

Table of Contents

1. Global Remittance Market Methodology and Scope

  • 1.1. Research Methodology
  • 1.2. Research Objective and Scope of the Report

2. Global Remittance Market - Market Definition and Overview

3. Global Remittance Market - Executive Summary

  • 3.1. Market Snippet By Product
  • 3.2. Market Snippet By Application
  • 3.3. Market Snippet By End-User
  • 3.4. Market Snippet By Region

4. Global Remittance Market-Market Dynamics

  • 4.1. Market Impacting Factors
    • 4.1.1. Drivers
      • 4.1.1.1. Reducing remittance costs and transfer time
      • 4.1.1.2. The increasing cross-border transactions
    • 4.1.2. Restraints
      • 4.1.2.1. The lack of awareness
      • 4.1.2.2. XX
    • 4.1.3. Opportunity
      • 4.1.3.1. XX
    • 4.1.4. Impact Analysis

5. Global Remittance Market - Industry Analysis

  • 5.1. Porter's Five Forces Analysis
  • 5.2. Supply Chain Analysis
  • 5.3. Pricing Analysis
  • 5.4. Regulatory Analysis

6. Global Remittance Market - COVID-19 Analysis

  • 6.1. Analysis of COVID-19 on the Market
    • 6.1.1. Before COVID-19 Market Scenario
    • 6.1.2. Present COVID-19 Market Scenario
    • 6.1.3. After COVID-19 or Future Scenario
  • 6.2. Pricing Dynamics Amid COVID-19
  • 6.3. Demand-Supply Spectrum
  • 6.4. Government Initiatives Related to the Market During Pandemic
  • 6.5. Manufacturers Strategic Initiatives
  • 6.6. Conclusion

7. Global Remittance Market - By Product

  • 7.1. Introduction
    • 7.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 7.1.2. Market Attractiveness Index, By Product
  • 7.2. Bank Money Transfer Service*
    • 7.2.1. Introduction
    • 7.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 7.3. Money Transfer App
  • 7.4. Others

8. Global Remittance Market - By Application

  • 8.1. Introduction
    • 8.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 8.1.2. Market Attractiveness Index, By Application
  • 8.2. Consumption*
    • 8.2.1. Introduction
    • 8.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 8.3. Savings
  • 8.4. Investment

9. Global Remittance Market - By End-User

  • 9.1. Introduction
    • 9.1.1. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 9.1.2. Market Attractiveness Index, By End-User
  • 9.2. Personal*
    • 9.2.1. Introduction
    • 9.2.2. Market Size Analysis and Y-o-Y Growth Analysis (%)
  • 9.3. Business
  • 9.4. Public

10. Global Remittance Market - By Region

  • 10.1. Introduction
  • 10.2. Market Size Analysis and Y-o-Y Growth Analysis (%), By Region
  • 10.3. Market Attractiveness Index, By Region
  • 10.4. North America
    • 10.4.1. Introduction
    • 10.4.2. Key Region-Specific Dynamics
    • 10.4.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.4.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.4.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.4.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.4.6.1. U.S.
      • 10.4.6.2. Canada
      • 10.4.6.3. Mexico
  • 10.5. Europe
    • 10.5.1. Introduction
    • 10.5.2. Key Region-Specific Dynamics
    • 10.5.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.5.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.5.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.5.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.5.6.1. Germany
      • 10.5.6.2. UK
      • 10.5.6.3. France
      • 10.5.6.4. Italy
      • 10.5.6.5. Spain
      • 10.5.6.6. Rest of Europe
  • 10.6. South America
    • 10.6.1. Introduction
    • 10.6.2. Key Region-Specific Dynamics
    • 10.6.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.6.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.6.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.6.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.6.6.1. Brazil
      • 10.6.6.2. Argentina
      • 10.6.6.3. Rest of South America
  • 10.7. Asia-Pacific
    • 10.7.1. Introduction
    • 10.7.2. Key Region-Specific Dynamics
    • 10.7.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.7.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.7.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User
    • 10.7.6. Market Size Analysis and Y-o-Y Growth Analysis (%), By Country
      • 10.7.6.1. China
      • 10.7.6.2. India
      • 10.7.6.3. Japan
      • 10.7.6.4. Australia
      • 10.7.6.5. Rest of Asia-Pacific
  • 10.8. Middle East and Africa
    • 10.8.1. Introduction
    • 10.8.2. Key Region-Specific Dynamics
    • 10.8.3. Market Size Analysis and Y-o-Y Growth Analysis (%), By Product
    • 10.8.4. Market Size Analysis and Y-o-Y Growth Analysis (%), By Application
    • 10.8.5. Market Size Analysis and Y-o-Y Growth Analysis (%), By End-User

11. Global Remittance Market - Competitive Landscape

  • 11.1. Competitive Scenario
  • 11.2. Market Positioning/Share Analysis
  • 11.3. Mergers and Acquisitions Analysis

12. Global Remittance Market - Company Profiles

  • 12.1. Bank of America
    • 12.1.1. Company Overview
    • 12.1.2. Product Portfolio and Description
    • 12.1.3. Key Highlights
    • 12.1.4. Financial Overview
  • 12.2. Citigroup Inc.
  • 12.3. JP Morgan Chase & Co.
  • 12.4. Moneygram International Inc.
  • 12.5. WorldRemit Ltd.
  • 12.6. Ria Financial Outward Remittance
  • 12.7. Banco Bradesco Sa
  • 12.8. Euronet globally, Inc.
  • 12.9. Azimo Ltd.
  • 12.10. TransferWise Ltd.

LIST NOT EXHAUSTIVE

13. Global Remittance Market - Premium Insights

14. Global Remittance Market - DataM

  • 14.1. Appendix
  • 14.2. About Us and Others
  • 14.3. Contact Us