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SWIFTの崩壊?送金ビジネスに挑戦するBitcoinおよびピア・ツー・ピア(P2P)モデル

A SWIFT Disruption? Bitcoin and Peer-to-Peer Models Challenge the Remittance Business

発行 Mercator Advisory Group, Inc. 商品コード 320375
出版日 ページ情報 英文 24 Pages
納期: 即日から翌営業日
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本日の銀行送金レート: 1USD=114.71円で換算しております。
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SWIFTの崩壊?送金ビジネスに挑戦するBitcoinおよびピア・ツー・ピア(P2P)モデル A SWIFT Disruption? Bitcoin and Peer-to-Peer Models Challenge the Remittance Business
出版日: 2014年12月03日 ページ情報: 英文 24 Pages
概要

当レポートでは、米国-フィリピンと米国-インドの2つの送金ルートに注目して、BitcoinおよびP2Pという新しいモデルが提供する価値命題について分析しており、異なる送金規模の総コストとこれらの現在の競合企業の比較に関するデータの分析をまとめ、お届けいたします。

調査ハイライト

  • 世界の異なる地域にわたる取引コストの分析を含めた、国際個人送金における主要動向の特定
  • 国際的なコルレス銀行システムの仕組みとSWIFTが果たす役割の分析
  • Bitcoinのブロックチェーン技術の仕組みとそれが国際ペイメントの実行において破壊力となり得る理由の説明
  • 米国-フィリピン間のBitcoin支援送金企業Rebitが提供する価値命題のレビュー
  • 国際送金の促進におけるピア・ツー・ピア(P2P)モデルの仕組みの説明と米国-インド間におけるTransferWiseの価値命題の分析
  • 世界の個人送金市場を破壊する可能性を持つ革新的新興企業のレビュー
目次

This Mercator Advisory Group research looks at potential for Bitcoin and peer-to-peer models to drive down costs of cross-border remittances.

Cross-border remittances are expensive, especially for those who can least afford it to be: the unbanked and the underbanked. For Bitcoin enthusiasts, this represents one of the digital currency's most important use cases. By bypassing the expensive fees and onerous regulatory requirements of international correspondent banking channels, the backbone of global money transmission today, Bitcoin-backed remittance evangelists claim they will both do good and make a profit.

The other model that seeks to displace traditional consumer remittance service providers uses peer-to-peer algorithms to match individuals with reciprocal currency needs across borders. TransferWise, one of the pioneers of this model, promises to charge a fraction of what banks do today to move money between countries.

Mercator Advisory Group's most recent research report, “A SWIFT Disruption? Bitcoin and Peer-to-Peer Models Challenge the Remittance Business”, analyzes the value proposition offered by these new models by focusing on two specific remittance corridors, U.S.-Philippines and U.S.-India. It analyzes data on total costs for different transaction sizes and compares these to incumbent competitors. What's common to both these disruptive models and what separates them from the incumbents in the consumer remittance space is that neither relies on the international correspondent banking channels, which are underpinned by SWIFT-a secure financial messaging system-in order to effect the movement of monetary value across borders.

“For established consumer remittance behemoths like Western Union and MoneyGram and for banks that generate substantial revenues from their wire transfer business aimed at corporate and affluent consumers, these challengers may be easy to dismiss either because their business model is unproven (as in the case of Rebit) or their market share is still fairly limited (as in the case of TransferWise). The history of disruptive innovation in the last half-century, however, suggests that dismissing potentially game-changing technologies as unsuited to present needs is a sure way to be rendered obsolete in the future,” comments Nikhil Joseph Analyst, Emerging Technologies Advisory Service, at Mercator Advisory Group and author of the report.

Highlights of this report include:

  • Identification of the key trends in cross-border consumer remittances including analysis of global transactions costs across different corridors
  • Breakdown of how the international correspondent banking system works and the role SWIFT plays
  • Explanation of how Bitcoin's blockchain technology works and why it can be a disruptive force in enabling cross-border payments
  • Review of the value proposition offered by Bitcoin-backed remittance player Rebit in the U.S.-Philippines corridor
  • Explanation of how the peer-to-peer model works in facilitating cross-border remittances and analysis of TransferWise's value proposition in the U.S.-India corridor
  • Review of innovative startups with the potential to disrupt the global consumer remittance market

One of the exhibits included in this report:

                     Source: World Bank, Mercator Advisory Group analysis.

This report contains 24 pages and 12 exhibits.

Companies mentioned in this report include Currency Cloud, CurrencyFair, Rebit, Remitly, Ripple, TransferWise, WorldRemit, BitPesa, Western Union, and Xoom.

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