デジタル送金の日本市場の評価：送金タイプ別、チャネル別、用途別、エンドユーザー別、地域別、機会、予測（2019年度～2033年度）

日本のデジタル送金の市場規模は、2025年度の17億3,000万米ドルから2033年度に28億7,000万米ドルに達すると予測され、2026年度～2033年度の予測期間にCAGRで6.55%の成長が見込まれます。この成長の促進要因は、特に医療、IT、製造などの部門で、日本が外国人労働者への依存度を高めていることで、迅速かつ低コストの国境を越えた送金へのニーズが高まっています。銀行や従来の送金業者（MTO）は手数料が高く、不利な為替レートを提示することが多いため、利用者はWise、Revolut、地元のフィンテックプラットフォームなど、より安価で迅速なデジタルの代替手段を求めるようになっています。加えて、スマートフォンの使用率が高く、デジタル決済アプリに慣れ親しんでいる日本は、デジタル送金の成長にとって絶好の市場となっています。

さらに、企業は単に決済を促進するだけでなく、移民、零細企業、ボーダレス世帯を中心としたエコシステムを構築しています。これは単なる旧来の送金のデジタル版ではありません。日本がキャッシュレス決済を推進し、フィンテックにやさしい政策（少額送金に対するKYC基準の緩和など）を打ち出していることも、デジタル送金の採用を後押ししています。

例えば2024年12月、SBI Remitは累計国際送金額が125億米ドルを突破したと発表しました。同社は、外国人労働者の間での急速な普及と、多言語による給与一体型の送金口座が成長を後押ししたと評価しています。

また、日本における外国人労働者数は、2010年10月末の約65万人から、COVID-19パンデミックによる減速にもかかわらず、2023年10月末には約204万人にまで増加したことも言及されました。この数字は、今後数年間でさらに急速に増加すると予測されています。

当レポートでは、日本のデジタル送金市場について調査分析し、市場規模と予測、市場力学、主要企業の情勢などを提供しています。

目次

第1章 プロジェクトの範囲と定義

第2章 調査手法

第3章 エグゼクティブサマリー

第4章 顧客の声

• 回答者の人口統計
• デジタル送金の認知度
• 優先されるチャネル（モバイルアプリ、Webポータル、エージェント）
• 主な促進要因と採用

第5章 日本のデジタル送金市場の見通し（2019年度～2033年度）

• 市場規模の分析と予測
  • 金額
• 市場シェアの分析と予測
  • 送金タイプ別
    • 被仕向送金
    • 仕向送金
  • チャネル別
    • デジタルのみ
    • ハイブリッド
  • 用途別
    • 移民送金
    • ビジネス送金
    • その他
  • エンドユーザー別
    • 個人
    • 企業
  • 地域別
    • 北部
    • 南部
    • 中部
  • 市場シェア分析：企業別（上位5社とその他）（金額）（2024年度）
• 市場マップ分析（2025年度）
  • 送金タイプ別
  • チャネル別
  • 用途別
  • エンドユーザー別
  • 地域別

第6章 需給の分析

第7章 バリューチェーン分析

第8章 ポーターのファイブフォース分析

第9章 PESTLE分析

第10章 市場力学

• 市場促進要因
• 市場の課題

第11章 市場動向と発展

第12章 平均取引額（ベストエフォートベース）

第13章 ケーススタディ

第14章 競合情勢

• マーケットリーダー上位5社の競合マトリクス
• 上位5社のSWOT分析
• 主要企業上位10社の情勢
  • Western Union Holdings, Inc.
  • Rates and Fees
  • Wise Payments Japan K.K.
  • WorldRemit Ltd.
  • SBI Remit Co., Ltd.
  • Nium Pte. Ltd. (via Travelex partnership)
  • Kyodai Remittance Co., Ltd.
  • Rakuten Bank, Ltd.
  • Digital Wallet Corporation (Smiles Mobile Remittance)
  • MoneyGram International, Inc.
  • PayPal, Inc. (Xoom)

第15章 戦略的提言

第16章 調査会社について・免責事項

List of Tables

• Table 1. Competition Matrix of Top 5 Market Leaders
• Table 2. Mergers & Acquisitions/ Joint Ventures (If Applicable)
• Table 3. About Us - Regions and Countries Where We Have Executed Client Projects

List of Figures

• Figure 1. Japan Digital Remittance Market, By Value, In USD Billion, FY2019-FY2033F
• Figure 2. Japan Digital Remittance Market Share (%), By Remittance Type, FY2019-FY2033F
• Figure 3. Japan Digital Remittance Market Share (%), By Channel, FY2019-FY2033F
• Figure 4. Japan Digital Remittance Market Share (%), By Application, FY2019-FY2033F
• Figure 5. Japan Digital Remittance Market Share (%), By End-user, FY2019-FY2033F
• Figure 6. Japan Digital Remittance Market Share (%), By Region, FY2019-FY2033F
• Figure 7. By Remittance Type Map-Market Size (USD Billion) & Growth Rate (%), FY2025
• Figure 8. By Channel Map-Market Size (USD Billion) & Growth Rate (%), FY2025
• Figure 9. By Application Map-Market Size (USD Billion) & Growth Rate (%), FY2025
• Figure 10. By End-user Type Map-Market Size (USD Billion) & Growth Rate (%), FY2025
• Figure 11. By Region Map-Market Size (USD Billion) & Growth Rate (%), FY2025

Japan digital remittance market is projected to witness a CAGR of 6.55% during the forecast period FY2026-FY2033, growing from USD 1.73 billion in FY2025 to USD 2.87 billion in FY2033. The growth is driven by Japan's increasing reliance on foreign labor, particularly in sectors such as healthcare, IT, and manufacturing, which has heightened the need for fast and low-cost cross-border money transfers. Banks and conventional money transfer operators (MTOs) often charge high fees and offer unfavorable exchange rates, prompting users to seek cheaper, faster digital alternatives, such as Wise, Revolut, and local fintech platforms. In addition, high smartphone usage and familiarity with digital payment apps make Japan a ripe market for digital remittance growth.

Additionally, companies are not only facilitating payments; they are also building ecosystems around migrants, micro-enterprises, and borderless households. This is not just a digital version of old-school remittance. Japan's push for cashless payments and fintech-friendly policies (e.g., relaxed KYC norms for small remittances) has encouraged digital remittance adoption.

For instance, in December 2024, SBI Remit announced that its cumulative international remittances surpassed USD 12.5 billion. The company credited rapid adoption among foreign workers and salary-integrated remittance accounts in multiple languages for fueling growth.

It was also mentioned that the number of foreign workers in Japan grew from around 650,000 at the end of October 2010 to approximately 2.04 million by the end of October 2023, despite the slowdown caused by the COVID-19 pandemic. This figure is expected to rise even more rapidly in the coming years.

Rising Demand from Migrant Workers and Foreign Residents Fuels the Market Growth

Japan is home to over 3 million foreign residents, with the largest communities originating from Vietnam, China, the Philippines, and Brazil. These individuals routinely send small but frequent transfers to their families abroad, making low-cost, real-time digital services essential for their needs.

For instance, in December 2024, Smiles Mobile Remittance, Japan's leading mobile remittance service, announced a direct partnership with HDFC Bank, one of India's top banks. This collaboration promises better exchange rates, faster transfers, enhanced customer support, and increased loyalty rewards for users sending money to India. The partnership aims to further support the Indian community in Japan, with plans to expand services to Canada in the future.

Digital remittance is rising due to the demand for transparency, multilingual support, and mobile-first experiences. Japan's migrant-driven remittance flows are now digital by default.

Fintech-led Disruption by Domestic and Global Players Shapes the Market

Traditional remittance channels have long dominated until now. Fintechs and challenger banks are taking the reins, offering better UI, reduced fees, and instant delivery. It's not just competition, it's disintermediation.

In March 2024, Wise Japan launched a partnership with Seven Bank, allowing users to fund overseas transfers via Seven ATMs across Japan. This hybrid-digital access point combines Wise's mid-market rates with the convenience of Japan's most accessible ATM network. Meanwhile, SBI Remit expanded its real-time tie-ups with international partners, such as Tranglo and RippleNet, enabling the digital settlement of transactions across Southeast Asia and Latin America in seconds.

Outward Business Remittance Dominates the Japan Digital Remittance Market Share

Japan's digital remittance market is overwhelmingly dominated by outward business transactions, reflecting the country's export-driven economy and corporate globalization. As Japanese firms expand overseas operations, they increasingly rely on digital remittance platforms for supplier payments, subsidiary funding, and expatriate payroll, seeking faster processing and better exchange rates than traditional banks offer. Fintech solutions like Wise, Revolut, and GMO Payment Gateway have gained traction by addressing corporate needs for cost efficiency and regulatory compliance. While personal remittances by migrant workers remain steady, business-to-business (B2B) transfers account for the largest market share, accelerated by Japan's push for cashless solutions and streamlined cross-border payment policies for SMEs. This trend highlights the critical role of digital remittance in facilitating Japan's international trade and investment flows.

For instance, in January 2024, Rakuten Bank launched a streamlined international transfer service for SMEs and small traders, slashing processing fees by up to 50% and integrating it within its corporate banking portal. The service saw over 18,000 signups in the first quarter alone, with volumes rising in Vietnam, India, and Thailand. It has also announced that it has surpassed 15 million customers as of February 2024. As SMEs digitalize their procurement and outsourcing, they are seeking payment partners who understand the importance of speed, currency spread, and audit compliance. Remittance tools are now business utilities.

Key Players Landscape and Outlook

Japan's digital remittance market is a tug-of-war between legacy players and fintech insurgents. Western Union and MoneyGram still serve brick-and-mortar users, but their relevance is fading in the app age. Wise, WorldRemit, and PayPal (Xoom) are expanding their market share through seamless user experiences, transparent fees, and cloud-native operations. Local players are adapting fast. SBI Remit, Kyodai Remittance, and Digital Wallet Corp. offer local language interfaces, low-fee corridors to Southeast Asia, and mobile-native apps tailored for migrants. Rakuten Bank and SBI Shinsei are developing B2B capabilities within their banking platforms, targeting small business remitters. The space is competitive, API-heavy, and increasingly B2B-friendly. Whoever delivers real-time value at the correct foreign exchange rate is going to win.

For example, in October 2024, Wise Japan became the first non-bank, non-corporate entity to gain direct access to Japan's Zengin domestic clearing network. This eliminated intermediary steps, significantly reducing processing times and fees. It also powers some of the largest banks and businesses in the world, enabling them to offer faster and more efficient cross-border payments to their customers through Wise's Platform, Wise's infrastructure solution.

Table of Contents

1. Project Scope and Definitions

2. Research Methodology

3. Executive Summary

4. Voice of Customers

• 4.1. Respondent Demographics
• 4.2. Awareness of Digital Remittance
• 4.3. Preferred Channels (Mobile Apps, Web Portals, Agents)
• 4.4. Key Drivers and Adoption

5. Japan Digital Remittance Market Outlook, FY2019-FY2033F

• 5.1. Market Size Analysis & Forecast
  • 5.1.1. By Value
• 5.2. Market Share Analysis & Forecast
  • 5.2.1. By Remittance Type
    • 5.2.1.1. Inward Remittance
    • 5.2.1.2. Outward Remittance
  • 5.2.2. By Channel
    • 5.2.2.1. Digital-Only
    • 5.2.2.2. Hybrid
  • 5.2.3. By Application
    • 5.2.3.1. Migrant Remittance
    • 5.2.3.2. Business Remittance
    • 5.2.3.3. Others
  • 5.2.4. By End-user
    • 5.2.4.1. Personal
    • 5.2.4.2. Business
  • 5.2.5. By Region
    • 5.2.5.1. North
    • 5.2.5.2. South
    • 5.2.5.3. Central
  • 5.2.6. By Company Market Share Analysis (Top 5 Companies and Others - By Value, FY2024)
• 5.3. Market Map Analysis, FY2025
  • 5.3.1. By Remittance Type
  • 5.3.2. By Channel
  • 5.3.3. By Application
  • 5.3.4. By End-user
  • 5.3.5. By Region

6. Demand Supply Analysis

7. Value Chain Analysis

8. Porter's Five Forces Analysis

9. PESTLE Analysis

10. Market Dynamics

• 10.1. Market Drivers
• 10.2. Market Challenges

11. Market Trends and Developments

12. Average Transaction Value (Best Effort Basis)

13. Case Studies

14. Competitive Landscape

• 14.1. Competition Matrix of Top 5 Market Leaders
• 14.2. SWOT Analysis for Top 5 Players
• 14.3. Key Players Landscape for Top 10 Market Players
  • 14.3.1. Western Union Holdings, Inc.
    • 14.3.1.1. Company Details
    • 14.3.1.2. Key Management Personnel
    • 14.3.1.3. Products and Services
    • 14.3.1.4. Financials (As Reported)
    • 14.3.1.5. Rates and Fees
    • 14.3.1.6. Key Market Focus and Geographical Presence
    • 14.3.1.7. Recent Developments/Collaborations/Partnerships/Mergers and Acquisition
  • 14.3.2. Wise Payments Japan K.K.
  • 14.3.3. WorldRemit Ltd.
  • 14.3.4. SBI Remit Co., Ltd.
  • 14.3.5. Nium Pte. Ltd. (via Travelex partnership)
  • 14.3.6. Kyodai Remittance Co., Ltd.
  • 14.3.7. Rakuten Bank, Ltd.
  • 14.3.8. Digital Wallet Corporation (Smiles Mobile Remittance)
  • 14.3.9. MoneyGram International, Inc.
  • 14.3.10. PayPal, Inc. (Xoom)

Companies mentioned above DO NOT hold any order as per market share and can be changed as per information available during research work.

15. Strategic Recommendations

16. About Us and Disclaimer