デジタル送金市場：送金チャネル、送金タイプ、エンドユーザー別-2025～2030年の世界予測

デジタル送金市場の2023年の市場規模は1,480億8,000万米ドルで、2024年には1,666億米ドルに達すると予測され、CAGR 12.60％で成長し、2030年には3,398億7,000万米ドルに達すると予測されています。

デジタル送金とは、従来の銀行システムをバイパスして、デジタルプラットフォームを通じて国境を越えて資金を送金するプロセスを指します。主に、モバイル・アプリやオンラインサービス、その他の技術を駆使したチャネルを使って、ある国から別の国へ送金することを指します。デジタル送金の必要性は、グローバリゼーションした経済と、海外にいる家族を支援するための効率的で費用対効果の高い手段を求める移民の増加によって強調されています。その用途は、迅速な国境を越えた送金サービスを必要とする個人、企業、NGOに及びます。最終利用部門には、小売顧客、中小企業、国際決済ソリューションを求める大企業が含まれます。

デジタル送金セグメントの市場成長は、インターネット普及率の上昇、スマートフォンの普及、フィンテックソリューションに対する規制当局の支援といった要因によって牽引されています。さらに、より迅速で安価な送金サービスへの需要が、従来の銀行ベースの仕組みからデジタルソリューションへの移行を加速させています。しかし、主要課題としては、厳しい規制要件、サイバーセキュリティの脅威、発展途上地域におけるデジタルデバイドの問題などが挙げられます。新興国の現地サービス・プロバイダーとの提携による市場リーチの拡大や、ブロックチェーン技術の活用による取引の透明性向上とコスト削減などのビジネス機会が存在します。参入企業は、パーソナライズされたユーザー体験を提供し、ユーザー間の信頼を構築するためにセキュリティ機能を強化することで、イノベーションを起こすことができます。

人工知能を統合してユーザーの行動を予測し、オーダーメイドのサービスを提供したり、機械学習を導入して不正を検知したり、暗号通貨を活用してシームレスなクロスボーダー取引を実現するなど、市場はイノベーションの機が熟しています。研究は、ブロックチェーンのスケーラビリティソリューションや、銀行口座を持たない人々も利用できるコスト効率の高いソリューションの開発に焦点を当てることができます。市場力学は本質的にダイナミックであり、急速な技術進歩や進化する消費者の期待を特徴としています。企業は俊敏性を維持し、顧客中心のイノベーションを優先し、規制機関と協力してコンプライアンスを確保し、この競合情勢の中で成長を確保する必要があります。

市場力学：急速に進化するデジタル送金市場の主要市場洞察を公開

デジタル送金市場は、需要と供給のダイナミックな相互作用によって変貌を遂げています。このような市場力学の進化を理解することで、企業は十分な情報に基づいた投資決定、戦略的決定の精緻化、そして新たなビジネス機会の獲得に備えることができます。こうした動向を包括的に把握することで、企業は政治的、地理的、技術的、社会的、経済的な領域にわたる様々なリスクを軽減することができるとともに、消費者行動とそれが製造コストや購買動向に与える影響をより明確に理解することができます。

• 市場促進要因
  • 母国に送金する移住者の増加
  • 送金における透明性へのニーズの高まり
  • 送金手数料削減への注目の高まり
• 市場抑制要因
  • デジタル送金プラットフォームに関する認識と知識の不足
• 市場機会
  • デジタル送金プラットフォームにおけるブロックチェーン技術の採用
  • 送金事業者の合併の活発化
• 市場課題
  • サイバーセキュリティに対する懸念

ポーターのファイブフォース：デジタル送金市場をナビゲートする戦略ツール

ポーターのファイブフォースフレームワークは、市場情勢の競合情勢を理解するための重要なツールです。ポーターのファイブフォースフレームワークは、企業の競合を評価し、戦略的機会を探るための明確な手法を記載しています。このフレームワークは、企業が市場内の勢力図を評価し、新規事業の収益性を判断するのに役立ちます。これら洞察により、企業は自社の強みを活かし、弱みに対処し、潜在的な課題を回避することができ、より強靭な市場でのポジショニングを確保することができます。

PESTLE分析：デジタル送金市場における外部からの影響の把握

外部マクロ環境要因は、デジタル送金市場の業績力学を形成する上で極めて重要な役割を果たします。政治的、経済的、社会的、技術的、法的、環境的要因の分析は、これらの影響をナビゲートするために必要な情報を記載しています。PESTLE要因を調査することで、企業は潜在的なリスクと機会をよりよく理解することができます。この分析により、企業は規制、消費者の嗜好、経済動向の変化を予測し、先を見越した積極的な意思決定を行う準備ができます。

市場シェア分析：デジタル送金市場における競合情勢の把握

デジタル送金市場の詳細な市場シェア分析により、ベンダーの業績を包括的に評価することができます。企業は、収益、顧客ベース、成長率などの主要指標を比較することで、競争上のポジショニングを明らかにすることができます。この分析により、市場の集中、セグメント化、統合の動向が明らかになり、ベンダーは競争が激化する中で自社の地位を高める戦略的意思決定を行うために必要な知見を得ることができます。

FPNVポジショニングマトリックス：デジタル送金市場におけるベンダーのパフォーマンス評価

FPNVポジショニングマトリックスは、デジタル送金市場においてベンダーを評価するための重要なツールです。このマトリックスにより、ビジネス組織はベンダーのビジネス戦略と製品満足度に基づき評価することで、目標に沿った十分な情報に基づいた意思決定を行うことができます。4つの象限はベンダーを明確かつ正確に区分し、ユーザーが戦略目標に最適なパートナーやソリューションを特定するのに役立ちます。

本レポートは、主要な注目セグメントを網羅した包括的な市場分析を提供しています。

1.市場の浸透度：産業主要企業の広範なデータを含む、現在の市場環境の詳細なレビュー。

2.市場の開拓度：新興市場における成長機会を特定し、既存セグメントにおける拡大可能性を評価し、将来の成長に向けた戦略的ロードマップを記載しています。

3.市場の多様化：最近の製品発売、未開拓の地域、産業の主要な進歩、市場を形成する戦略的投資を分析します。

4.競合の評価と情報：競合情勢を徹底的に分析し、市場シェア、事業戦略、製品ポートフォリオ、認証、規制当局の承認、特許動向、主要企業の技術進歩などを検証します。

5.製品開発とイノベーション：将来の市場成長を促進すると期待される最先端技術、研究開発活動、製品イノベーションをハイライトしています。

また、利害関係者が十分な情報を得た上で意思決定できるよう、重要な質問にも答えています。

1.現在の市場規模と今後の成長予測は？

2.最高の投資機会を提供する製品、地域はどこか？

3.市場を形成する主要技術動向と規制の影響とは？

4.主要ベンダーの市場シェアと競合ポジションは？

5.ベンダーの市場参入・撤退戦略の原動力となる収益源と戦略的機会は何か？

目次

第1章 序文

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 市場概要

第5章 市場洞察

• 市場力学
  • 促進要因
    • 母国に送金する移民の増加
    • 送金の透明性の必要性が高まる
    • 送金手数料の削減に注目が集まる
  • 抑制要因
    • デジタル送金プラットフォームに関する認識と知識の欠如
  • 機会
    • デジタル送金プラットフォームにおけるブロックチェーン技術の採用
    • 送金業者間の合併活動が活発化
  • 課題
    • サイバーセキュリティに関する懸念
• 市場セグメンテーション分析
  • 送金チャネル：多様なサービスの提供により、デジタル送金事業者への好感度が高まっている
  • 送金タイプ：有利な為替レートと送金コスト効率を重視
  • エンドユーザー：デジタル送金のビジネスへの応用拡大
• ポーターのファイブフォース分析
• PESTEL分析
  • 政治
  • 経済
  • 社会
  • 技術
  • 法律
  • 環境
• 顧客のカスタマイズ

第6章 デジタル送金市場：送金チャネル別

• イントロダクション
• 銀行デジタル送金
• デジタル送金事業者

第7章 デジタル送金市場：送金タイプ別

• イントロダクション
• 内向きデジタル送金
• 外向きデジタル送金

第8章 デジタル送金市場：エンドユーザー別

• イントロダクション
• 企業
• 個人

第9章 南北アメリカのデジタル送金市場

• イントロダクション
• アルゼンチン
• ブラジル
• カナダ
• メキシコ
• 米国

第10章 アジア太平洋のデジタル送金市場

• イントロダクション
• オーストラリア
• 中国
• インド
• インドネシア
• 日本
• マレーシア
• フィリピン
• シンガポール
• 韓国
• 台湾
• タイ
• ベトナム

第11章 欧州・中東・アフリカのデジタル送金市場

• イントロダクション
• デンマーク
• エジプト
• フィンランド
• フランス
• ドイツ
• イスラエル
• イタリア
• オランダ
• ナイジェリア
• ノルウェー
• ポーランド
• カタール
• ロシア
• サウジアラビア
• 南アフリカ
• スペイン
• スウェーデン
• スイス
• トルコ
• アラブ首長国連邦
• 英国

第12章 競合情勢

• 市場シェア分析、2023年
• FPNVポジショニングマトリックス、2023年
• 競合シナリオ分析
  • アラブ首長国連邦のCareem PayとiPiDチームがインドで送金サービスを開始
  • IndusInd BankとViamericasが提携し、非インド人向けデジタル送金プラットフォームを立ち上げ
  • MoneyGram、国境を越えた決済のための非管理型デジタルウォレットを開始

企業一覧

• Wise Payments Limited
• Flywire Corporation
• Citigroup, Inc.
• PayPal Holdings, Inc.
• Ripple Labs Inc.
• Mavro Imaging
• GoCardless Ltd.
• アラブ首長国連邦 Exchange
• The Currency Cloud Limited
• Okremit by Asian Net Co., Ltd.
• TransferGo Ltd.
• OrbitRemit Limited
• The Western Union Company
• Moneygram International, Inc.
• Nium Pte. Ltd.
• OSP Labs
• American Express Company
• OFX Group Limited
• Azimo Limited
• WorldRemit Limited
• Mastercard Incorporated
• Remitly Global, Inc.
• Touch'n Go Sdn Bhd
• Digital Wallet Corporation

LIST OF FIGURES

• FIGURE 1. DIGITAL REMITTANCE MARKET RESEARCH PROCESS
• FIGURE 2. DIGITAL REMITTANCE MARKET SIZE, 2023 VS 2030
• FIGURE 3. GLOBAL DIGITAL REMITTANCE MARKET SIZE, 2018-2030 (USD MILLION)
• FIGURE 4. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY REGION, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 5. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 6. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2023 VS 2030 (%)
• FIGURE 7. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 8. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2023 VS 2030 (%)
• FIGURE 9. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 10. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2023 VS 2030 (%)
• FIGURE 11. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 12. AMERICAS DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 13. AMERICAS DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 14. UNITED STATES DIGITAL REMITTANCE MARKET SIZE, BY STATE, 2023 VS 2030 (%)
• FIGURE 15. UNITED STATES DIGITAL REMITTANCE MARKET SIZE, BY STATE, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 16. ASIA-PACIFIC DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 17. ASIA-PACIFIC DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 18. EUROPE, MIDDLE EAST & AFRICA DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2023 VS 2030 (%)
• FIGURE 19. EUROPE, MIDDLE EAST & AFRICA DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2023 VS 2024 VS 2030 (USD MILLION)
• FIGURE 20. DIGITAL REMITTANCE MARKET SHARE, BY KEY PLAYER, 2023
• FIGURE 21. DIGITAL REMITTANCE MARKET, FPNV POSITIONING MATRIX, 2023

LIST OF TABLES

• TABLE 1. DIGITAL REMITTANCE MARKET SEGMENTATION & COVERAGE
• TABLE 2. UNITED STATES DOLLAR EXCHANGE RATE, 2018-2023
• TABLE 3. GLOBAL DIGITAL REMITTANCE MARKET SIZE, 2018-2030 (USD MILLION)
• TABLE 4. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 5. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 6. DIGITAL REMITTANCE MARKET DYNAMICS
• TABLE 7. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 8. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY BANKS DIGITAL REMITTANCE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 9. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY DIGITAL MONEY TRANSFER OPERATORS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 10. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 11. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY INWARD DIGITAL REMITTANCE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 12. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY OUTWARD DIGITAL REMITTANCE, BY REGION, 2018-2030 (USD MILLION)
• TABLE 13. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 14. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY BUSINESS, BY REGION, 2018-2030 (USD MILLION)
• TABLE 15. GLOBAL DIGITAL REMITTANCE MARKET SIZE, BY PERSONAL, BY REGION, 2018-2030 (USD MILLION)
• TABLE 16. AMERICAS DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 17. AMERICAS DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 18. AMERICAS DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 19. AMERICAS DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 20. ARGENTINA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 21. ARGENTINA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 22. ARGENTINA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 23. BRAZIL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 24. BRAZIL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 25. BRAZIL DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 26. CANADA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 27. CANADA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 28. CANADA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 29. MEXICO DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 30. MEXICO DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 31. MEXICO DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 32. UNITED STATES DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 33. UNITED STATES DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 34. UNITED STATES DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 35. UNITED STATES DIGITAL REMITTANCE MARKET SIZE, BY STATE, 2018-2030 (USD MILLION)
• TABLE 36. ASIA-PACIFIC DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 37. ASIA-PACIFIC DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 38. ASIA-PACIFIC DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 39. ASIA-PACIFIC DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 40. AUSTRALIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 41. AUSTRALIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 42. AUSTRALIA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 43. CHINA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 44. CHINA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 45. CHINA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 46. INDIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 47. INDIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 48. INDIA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 49. INDONESIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 50. INDONESIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 51. INDONESIA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 52. JAPAN DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 53. JAPAN DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 54. JAPAN DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 55. MALAYSIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 56. MALAYSIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 57. MALAYSIA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 58. PHILIPPINES DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 59. PHILIPPINES DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 60. PHILIPPINES DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 61. SINGAPORE DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 62. SINGAPORE DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 63. SINGAPORE DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 64. SOUTH KOREA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 65. SOUTH KOREA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 66. SOUTH KOREA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 67. TAIWAN DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 68. TAIWAN DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 69. TAIWAN DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 70. THAILAND DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 71. THAILAND DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 72. THAILAND DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 73. VIETNAM DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 74. VIETNAM DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 75. VIETNAM DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 76. EUROPE, MIDDLE EAST & AFRICA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 77. EUROPE, MIDDLE EAST & AFRICA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 78. EUROPE, MIDDLE EAST & AFRICA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 79. EUROPE, MIDDLE EAST & AFRICA DIGITAL REMITTANCE MARKET SIZE, BY COUNTRY, 2018-2030 (USD MILLION)
• TABLE 80. DENMARK DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 81. DENMARK DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 82. DENMARK DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 83. EGYPT DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 84. EGYPT DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 85. EGYPT DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 86. FINLAND DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 87. FINLAND DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 88. FINLAND DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 89. FRANCE DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 90. FRANCE DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 91. FRANCE DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 92. GERMANY DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 93. GERMANY DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 94. GERMANY DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 95. ISRAEL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 96. ISRAEL DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 97. ISRAEL DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 98. ITALY DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 99. ITALY DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 100. ITALY DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 101. NETHERLANDS DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 102. NETHERLANDS DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 103. NETHERLANDS DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 104. NIGERIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 105. NIGERIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 106. NIGERIA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 107. NORWAY DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 108. NORWAY DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 109. NORWAY DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 110. POLAND DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 111. POLAND DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 112. POLAND DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 113. QATAR DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 114. QATAR DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 115. QATAR DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 116. RUSSIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 117. RUSSIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 118. RUSSIA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 119. SAUDI ARABIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 120. SAUDI ARABIA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 121. SAUDI ARABIA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 122. SOUTH AFRICA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 123. SOUTH AFRICA DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 124. SOUTH AFRICA DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 125. SPAIN DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 126. SPAIN DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 127. SPAIN DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 128. SWEDEN DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 129. SWEDEN DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 130. SWEDEN DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 131. SWITZERLAND DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 132. SWITZERLAND DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 133. SWITZERLAND DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 134. TURKEY DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 135. TURKEY DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 136. TURKEY DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 137. UNITED ARAB EMIRATES DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 138. UNITED ARAB EMIRATES DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 139. UNITED ARAB EMIRATES DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 140. UNITED KINGDOM DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE CHANNEL, 2018-2030 (USD MILLION)
• TABLE 141. UNITED KINGDOM DIGITAL REMITTANCE MARKET SIZE, BY REMITTANCE TYPE, 2018-2030 (USD MILLION)
• TABLE 142. UNITED KINGDOM DIGITAL REMITTANCE MARKET SIZE, BY END-USER, 2018-2030 (USD MILLION)
• TABLE 143. DIGITAL REMITTANCE MARKET SHARE, BY KEY PLAYER, 2023
• TABLE 144. DIGITAL REMITTANCE MARKET, FPNV POSITIONING MATRIX, 2023

The Digital Remittance Market was valued at USD 148.08 billion in 2023, expected to reach USD 166.60 billion in 2024, and is projected to grow at a CAGR of 12.60%, to USD 339.87 billion by 2030.

Digital remittance refers to the process of transferring funds across international borders through digital platforms, bypassing traditional bank systems. It primarily involves sending money from one country to another using mobile apps, online services, or other technology-driven channels. The necessity of digital remittance is underscored by the globalized economy and the increasing number of migrants seeking efficient and cost-effective means to support families abroad. Its application spans across individuals, businesses, and NGOs requiring swift cross-border money transfer services. End-use sectors include retail customers, small and medium enterprises, and large corporations seeking international payment solutions.

Market growth in the digital remittance sector is driven by factors such as increasing internet penetration, smartphone adoption, and regulatory support for fintech solutions. Additionally, the demand for quicker and cheaper remittance services has accelerated the shift from traditional bank-based mechanisms to digital solutions. However, key challenges include stringent regulatory requirements, cybersecurity threats, and digital divide issues in developing regions. Opportunities exist in expanding market reach through partnerships with local service providers in emerging economies, and leveraging blockchain technology for increased transaction transparency and reduced costs. Players can innovate by offering personalized user experiences and enhancing security features to build trust among users.

The market is ripe for innovations such as integrating artificial intelligence to predict user behavior for tailored services, employing machine learning for fraud detection, and the utilization of cryptocurrencies for seamless cross-border transactions. Research can focus on blockchain scalability solutions and developing cost-effective solutions accessible to unbanked populations. The digital remittance market is inherently dynamic, characterized by rapid technological advancements and evolving consumer expectations. Companies need to stay agile, prioritizing customer-centric innovations, and collaborating with regulatory bodies to ensure compliance and secure growth in this competitive landscape.

Market Dynamics: Unveiling Key Market Insights in the Rapidly Evolving Digital Remittance Market

The Digital Remittance Market is undergoing transformative changes driven by a dynamic interplay of supply and demand factors. Understanding these evolving market dynamics prepares business organizations to make informed investment decisions, refine strategic decisions, and seize new opportunities. By gaining a comprehensive view of these trends, business organizations can mitigate various risks across political, geographic, technical, social, and economic domains while also gaining a clearer understanding of consumer behavior and its impact on manufacturing costs and purchasing trends.

• Market Drivers
  • Increasing Number of Migrants Sending Money to Home Country
  • Rising Need for Transparency in Remittances
  • Surging Focus on Reducing Remittance Transaction Fees
• Market Restraints
  • Lack of Awareness and Knowledge About Digital Remittance Platforms
• Market Opportunities
  • Adoption of Blockchain Technology in Digital Remittance Platforms
  • High Level of Amalgamations Activities Among Money Transfer Operators
• Market Challenges
  • Concerns Regarding Cybersecurity

Porter's Five Forces: A Strategic Tool for Navigating the Digital Remittance Market

Porter's five forces framework is a critical tool for understanding the competitive landscape of the Digital Remittance Market. It offers business organizations with a clear methodology for evaluating their competitive positioning and exploring strategic opportunities. This framework helps businesses assess the power dynamics within the market and determine the profitability of new ventures. With these insights, business organizations can leverage their strengths, address weaknesses, and avoid potential challenges, ensuring a more resilient market positioning.

PESTLE Analysis: Navigating External Influences in the Digital Remittance Market

External macro-environmental factors play a pivotal role in shaping the performance dynamics of the Digital Remittance Market. Political, Economic, Social, Technological, Legal, and Environmental factors analysis provides the necessary information to navigate these influences. By examining PESTLE factors, businesses can better understand potential risks and opportunities. This analysis enables business organizations to anticipate changes in regulations, consumer preferences, and economic trends, ensuring they are prepared to make proactive, forward-thinking decisions.

Market Share Analysis: Understanding the Competitive Landscape in the Digital Remittance Market

A detailed market share analysis in the Digital Remittance Market provides a comprehensive assessment of vendors' performance. Companies can identify their competitive positioning by comparing key metrics, including revenue, customer base, and growth rates. This analysis highlights market concentration, fragmentation, and trends in consolidation, offering vendors the insights required to make strategic decisions that enhance their position in an increasingly competitive landscape.

FPNV Positioning Matrix: Evaluating Vendors' Performance in the Digital Remittance Market

The Forefront, Pathfinder, Niche, Vital (FPNV) Positioning Matrix is a critical tool for evaluating vendors within the Digital Remittance Market. This matrix enables business organizations to make well-informed decisions that align with their goals by assessing vendors based on their business strategy and product satisfaction. The four quadrants provide a clear and precise segmentation of vendors, helping users identify the right partners and solutions that best fit their strategic objectives.

Key Company Profiles

The report delves into recent significant developments in the Digital Remittance Market, highlighting leading vendors and their innovative profiles. These include Wise Payments Limited, Flywire Corporation, Citigroup, Inc., PayPal Holdings, Inc., Ripple Labs Inc., Mavro Imaging, GoCardless Ltd., UAE Exchange, The Currency Cloud Limited, Okremit by Asian Net Co., Ltd., TransferGo Ltd., OrbitRemit Limited, The Western Union Company, Moneygram International, Inc., Nium Pte. Ltd., OSP Labs, American Express Company, OFX Group Limited, Azimo Limited, WorldRemit Limited, Mastercard Incorporated, Remitly Global, Inc., Touch 'n Go Sdn Bhd, and Digital Wallet Corporation.

Market Segmentation & Coverage

This research report categorizes the Digital Remittance Market to forecast the revenues and analyze trends in each of the following sub-markets:

• Based on Remittance Channel, market is studied across Banks Digital Remittance and Digital Money Transfer Operators.
• Based on Remittance Type, market is studied across Inward Digital Remittance and Outward Digital Remittance.
• Based on End-User, market is studied across Business and Personal.
• Based on Region, market is studied across Americas, Asia-Pacific, and Europe, Middle East & Africa. The Americas is further studied across Argentina, Brazil, Canada, Mexico, and United States. The United States is further studied across California, Florida, Illinois, New York, Ohio, Pennsylvania, and Texas. The Asia-Pacific is further studied across Australia, China, India, Indonesia, Japan, Malaysia, Philippines, Singapore, South Korea, Taiwan, Thailand, and Vietnam. The Europe, Middle East & Africa is further studied across Denmark, Egypt, Finland, France, Germany, Israel, Italy, Netherlands, Nigeria, Norway, Poland, Qatar, Russia, Saudi Arabia, South Africa, Spain, Sweden, Switzerland, Turkey, United Arab Emirates, and United Kingdom.

The report offers a comprehensive analysis of the market, covering key focus areas:

1. Market Penetration: A detailed review of the current market environment, including extensive data from top industry players, evaluating their market reach and overall influence.

2. Market Development: Identifies growth opportunities in emerging markets and assesses expansion potential in established sectors, providing a strategic roadmap for future growth.

3. Market Diversification: Analyzes recent product launches, untapped geographic regions, major industry advancements, and strategic investments reshaping the market.

4. Competitive Assessment & Intelligence: Provides a thorough analysis of the competitive landscape, examining market share, business strategies, product portfolios, certifications, regulatory approvals, patent trends, and technological advancements of key players.

5. Product Development & Innovation: Highlights cutting-edge technologies, R&D activities, and product innovations expected to drive future market growth.

The report also answers critical questions to aid stakeholders in making informed decisions:

1. What is the current market size, and what is the forecasted growth?

2. Which products, segments, and regions offer the best investment opportunities?

3. What are the key technology trends and regulatory influences shaping the market?

4. How do leading vendors rank in terms of market share and competitive positioning?

5. What revenue sources and strategic opportunities drive vendors' market entry or exit strategies?

Table of Contents

1. Preface

• 1.1. Objectives of the Study
• 1.2. Market Segmentation & Coverage
• 1.3. Years Considered for the Study
• 1.4. Currency & Pricing
• 1.5. Language
• 1.6. Stakeholders

2. Research Methodology

• 2.1. Define: Research Objective
• 2.2. Determine: Research Design
• 2.3. Prepare: Research Instrument
• 2.4. Collect: Data Source
• 2.5. Analyze: Data Interpretation
• 2.6. Formulate: Data Verification
• 2.7. Publish: Research Report
• 2.8. Repeat: Report Update

3. Executive Summary

4. Market Overview

5. Market Insights

• 5.1. Market Dynamics
  • 5.1.1. Drivers
    • 5.1.1.1. Increasing Number of Migrants Sending Money to Home Country
    • 5.1.1.2. Rising Need for Transparency in Remittances
    • 5.1.1.3. Surging Focus on Reducing Remittance Transaction Fees
  • 5.1.2. Restraints
    • 5.1.2.1. Lack of Awareness and Knowledge About Digital Remittance Platforms
  • 5.1.3. Opportunities
    • 5.1.3.1. Adoption of Blockchain Technology in Digital Remittance Platforms
    • 5.1.3.2. High Level of Amalgamations Activities Among Money Transfer Operators
  • 5.1.4. Challenges
    • 5.1.4.1. Concerns Regarding Cybersecurity
• 5.2. Market Segmentation Analysis
  • 5.2.1. Remittance Channel: Growing preference towards digital money transfer operators due to their diverse offerings
  • 5.2.2. Remittance Type: Stronger emphasis on favorable exchange rates and cost efficiency in outward remittance
  • 5.2.3. End-User: Expanding application of digital remittance in businesses
• 5.3. Porter's Five Forces Analysis
  • 5.3.1. Threat of New Entrants
  • 5.3.2. Threat of Substitutes
  • 5.3.3. Bargaining Power of Customers
  • 5.3.4. Bargaining Power of Suppliers
  • 5.3.5. Industry Rivalry
• 5.4. PESTLE Analysis
  • 5.4.1. Political
  • 5.4.2. Economic
  • 5.4.3. Social
  • 5.4.4. Technological
  • 5.4.5. Legal
  • 5.4.6. Environmental
• 5.5. Client Customization

6. Digital Remittance Market, by Remittance Channel

• 6.1. Introduction
• 6.2. Banks Digital Remittance
• 6.3. Digital Money Transfer Operators

7. Digital Remittance Market, by Remittance Type

• 7.1. Introduction
• 7.2. Inward Digital Remittance
• 7.3. Outward Digital Remittance

8. Digital Remittance Market, by End-User

• 8.1. Introduction
• 8.2. Business
• 8.3. Personal

9. Americas Digital Remittance Market

• 9.1. Introduction
• 9.2. Argentina
• 9.3. Brazil
• 9.4. Canada
• 9.5. Mexico
• 9.6. United States

10. Asia-Pacific Digital Remittance Market

• 10.1. Introduction
• 10.2. Australia
• 10.3. China
• 10.4. India
• 10.5. Indonesia
• 10.6. Japan
• 10.7. Malaysia
• 10.8. Philippines
• 10.9. Singapore
• 10.10. South Korea
• 10.11. Taiwan
• 10.12. Thailand
• 10.13. Vietnam

11. Europe, Middle East & Africa Digital Remittance Market

• 11.1. Introduction
• 11.2. Denmark
• 11.3. Egypt
• 11.4. Finland
• 11.5. France
• 11.6. Germany
• 11.7. Israel
• 11.8. Italy
• 11.9. Netherlands
• 11.10. Nigeria
• 11.11. Norway
• 11.12. Poland
• 11.13. Qatar
• 11.14. Russia
• 11.15. Saudi Arabia
• 11.16. South Africa
• 11.17. Spain
• 11.18. Sweden
• 11.19. Switzerland
• 11.20. Turkey
• 11.21. United Arab Emirates
• 11.22. United Kingdom

12. Competitive Landscape

• 12.1. Market Share Analysis, 2023
• 12.2. FPNV Positioning Matrix, 2023
• 12.3. Competitive Scenario Analysis
  • 12.3.1. UAE's Careem Pay & iPiD Team to Launch Remittances in India
  • 12.3.2. IndusInd Bank & Viamericas Team to Launch Digital Remittances Platform for NRIs
  • 12.3.3. MoneyGram to Launch Non-Custodial Digital Wallet for Cross-Border Payments

Companies Mentioned

• 1. Wise Payments Limited
• 2. Flywire Corporation
• 3. Citigroup, Inc.
• 4. PayPal Holdings, Inc.
• 5. Ripple Labs Inc.
• 6. Mavro Imaging
• 7. GoCardless Ltd.
• 8. UAE Exchange
• 9. The Currency Cloud Limited
• 10. Okremit by Asian Net Co., Ltd.
• 11. TransferGo Ltd.
• 12. OrbitRemit Limited
• 13. The Western Union Company
• 14. Moneygram International, Inc.
• 15. Nium Pte. Ltd.
• 16. OSP Labs
• 17. American Express Company
• 18. OFX Group Limited
• 19. Azimo Limited
• 20. WorldRemit Limited
• 21. Mastercard Incorporated
• 22. Remitly Global, Inc.
• 23. Touch 'n Go Sdn Bhd
• 24. Digital Wallet Corporation