デジタル送金市場の市場規模、シェア、成長分析：タイプ別、チャネル別、最終用途別、地域別 - 産業予測 2025～2032年

デジタル送金市場規模は2023年に274億3,000万米ドルと評価され、2024年の319億6,000万米ドルから2032年には1,084億3,000万米ドルに成長し、予測期間中（2025年～2032年）のCAGRは16.5%で成長すると予測されています。

米国デジタル送金市場は、出稼ぎ労働者による家族間送金の増加や、モバイル決済チャネルによって促進される国境を越えた取引の増加により、大きな成長を遂げると予測されます。GSM協会によると、モバイル・マネーは国境を越えた決済で約127億米ドルを管理しています。デジタル送金プラットフォームへのシフトは、モバイル機器の利用拡大に後押しされ、消費者にオンライン取引を好むよう促しています。デジタル送金サービスは、スピード、手頃な価格、強化されたセキュリティを提供し、顧客を惹きつけています。しかし、送金手数料の高さやセキュリティに関する規制のハードルといった課題は、成長の妨げになる可能性があります。とはいえ、デジタル決済受け入れの動向は、予測期間を通じて業界の持続的なCAGRに影響を与えると予想されます。

目次

イントロダクション

• 調査の目的
• 調査範囲
• 定義

調査手法

• 情報調達
• 二次と一次データの方法
• 市場規模予測
• 市場の前提条件と制限

エグゼクティブサマリー

• 世界市場の見通し
• 供給と需要の動向分析
• セグメント別機会分析

市場力学と見通し

• 市場概要
• 市場規模
• 市場力学
  • 促進要因と機会
  • 抑制要因と課題
• ポーターの分析

主な市場の考察

• 重要成功要因
• 競合の程度
• 主な投資機会
• 市場エコシステム
• 市場の魅力指数（2024年）
• PESTEL分析
• マクロ経済指標
• バリューチェーン分析
• 価格分析
• ケーススタディ
• 規制情勢
• 顧客と購買基準の分析
• 特許分析

デジタル送金市場規模：タイプ別

• 市場概要
• 対内デジタル送金
• 対外デジタル送金

デジタル送金市場規模：チャネル別

• 市場概要
• 銀行
• 送金業者
• オンラインプラットフォーム
• その他

デジタル送金市場規模：最終用途別

• 市場概要
• 個人
• ビジネス

デジタル送金市場規模

• 北米
  • 米国
  • カナダ
• 欧州
  • ドイツ
  • スペイン
  • フランス
  • 英国
  • イタリア
  • その他欧州地域
• アジア太平洋地域
  • 中国
  • インド
  • 日本
  • 韓国
  • その他アジア太平洋地域
• ラテンアメリカ
  • ブラジル
  • その他ラテンアメリカ地域
• 中東・アフリカ
  • GCC諸国
  • 南アフリカ
  • その他中東・アフリカ

競合情報

• 上位5社の比較
• 主要企業の市場ポジショニング（2024年）
• 主な市場企業が採用した戦略
• 最近の市場動向
• 企業の市場シェア分析（2024年）
• 主要企業の企業プロファイル
  • 企業の詳細
  • 製品ポートフォリオ分析
  • 企業のセグメント別シェア分析
  • 収益の前年比比較（2022～2024年）

主要企業プロファイル

• Western Union Holdings Inc.（USA）
• PayPal Holdings Inc.（USA）
• Ria Financial Services（USA）
• TransferWise Ltd.（UK）
• WorldRemit Ltd.（UK）
• Remitly Inc.（USA）
• Azimo Limited（UK）
• Xoom Corporation（USA）
• InstaReM（Singapore）
• TransferGo Ltd.（UK）
• Revolut Ltd.（UK）
• OFX（Australia）
• Digital Wallet Corporation（Japan）
• Flywire（USA）
• Remit2India（India）
• Viamericas Corporation（USA）
• TNG Wallet（Hong Kong）
• Alipay（China）
• WeChat Pay（China）

結論と提言

Digital Remittance Market size was valued at USD 27.43 billion in 2023 and is poised to grow from USD 31.96 billion in 2024 to USD 108.43 billion by 2032, growing at a CAGR of 16.5% during the forecast period (2025-2032).

The US Digital Remittance Market is projected to experience significant growth driven by an increase in family-to-family money transfers from migrant workers and a rise in cross-border transactions facilitated by mobile payment channels. According to the GSM Association, mobile money managed approximately USD 12.7 billion in cross-border payments. The shift towards digital transfer platforms is prompting consumers to favor online transactions, bolstered by the growing use of mobile devices. Digital remittance services offer speed, affordability, and enhanced security, which attract customers. However, challenges such as high transfer fees and regulatory hurdles regarding security could hinder growth. Nonetheless, the trend towards digital payment acceptance is expected to influence a sustainable CAGR in the industry throughout the forecast period.

Top-down and bottom-up approaches were used to estimate and validate the size of the Digital Remittance market and to estimate the size of various other dependent submarkets. The research methodology used to estimate the market size includes the following details: The key players in the market were identified through secondary research, and their market shares in the respective regions were determined through primary and secondary research. This entire procedure includes the study of the annual and financial reports of the top market players and extensive interviews for key insights from industry leaders such as CEOs, VPs, directors, and marketing executives. All percentage shares split, and breakdowns were determined using secondary sources and verified through Primary sources. All possible parameters that affect the markets covered in this research study have been accounted for, viewed in extensive detail, verified through primary research, and analyzed to get the final quantitative and qualitative data.

Digital Remittance Market Segments Analysis

Global Digital Remittance Market is segmented by Type, Channel, End Use and region. Based on Type, the market is segmented into Inward Digital Remittance and Outward Digital Remittance. Based on Channel, the market is segmented into Banks, Money Transfer Operators, Online Platforms and Others. Based on End Use, the market is segmented into Personal and Business. Based on region, the market is segmented into North America, Europe, Asia Pacific, Latin America and Middle East & Africa.

Driver of the Digital Remittance Market

The digital remittance market has experienced significant growth due to the increasing rates of global migration and the corresponding demand for international money transfers. As individuals relocate to various countries for employment or other reasons, the necessity for efficient and affordable methods of sending money to their home countries has surged. This trend highlights the evolving landscape of financial transactions, driven by the need for convenience and lower costs in remittances, ultimately fostering the expansion of digital platforms designed to facilitate these cross-border transfers. Consequently, the digital remittance industry is positioned for continued growth and innovation.

Restraints in the Digital Remittance Market

The digital remittance market faces significant challenges due to stringent regulations and compliance requirements, such as anti-money laundering (AML) and know-your-customer (KYC) protocols. Navigating these regulatory landscapes can be intricate and labor-intensive, particularly for smaller companies seeking to enter the market. The complexity of compliance often acts as a deterrent, hindering the ability of emerging players to effectively participate in the industry. As a result, the presence of these regulatory hurdles can limit competition and innovation within the digital remittance space, creating a more challenging environment for new entrants to establish themselves successfully.

Market Trends of the Digital Remittance Market

The digital remittance market is experiencing a robust trend towards the increasing adoption of digital payment solutions. As consumers seek more convenient, fast, and cost-effective methods of transferring money across borders, mobile wallets and online platforms have emerged as preferred channels for remittance transactions. This shift is driven by the proliferation of smartphones, internet connectivity, and growing digital literacy among populations in various regions. Additionally, the rise of fintech companies offering innovative services and competitive pricing is further propelling this trend, making digital remittance not just a convenience but a preferred choice for many, ultimately expanding the market significantly.

Table of Contents

Introduction

• Objectives of the Study
• Scope of the Report
• Definitions

Research Methodology

• Information Procurement
• Secondary & Primary Data Methods
• Market Size Estimation
• Market Assumptions & Limitations

Executive Summary

• Global Market Outlook
• Supply & Demand Trend Analysis
• Segmental Opportunity Analysis

Market Dynamics & Outlook

• Market Overview
• Market Size
• Market Dynamics
  • Drivers & Opportunities
  • Restraints & Challenges
• Porters Analysis
  • Competitive rivalry
  • Threat of substitute
  • Bargaining power of buyers
  • Threat of new entrants
  • Bargaining power of suppliers

Key Market Insights

• Key Success Factors
• Degree of Competition
• Top Investment Pockets
• Market Ecosystem
• Market Attractiveness Index, 2024
• PESTEL Analysis
• Macro-Economic Indicators
• Value Chain Analysis
• Pricing Analysis
• Case Studies
• Regulatory Landscape
• Customer & Buying Criteria Analysis
• Patent Analysis

Global Digital Remittance Market Size by Type & CAGR (2025-2032)

• Market Overview
• Inward Digital Remittance
• Outward Digital Remittance

Global Digital Remittance Market Size by Channel & CAGR (2025-2032)

• Market Overview
• Banks
• Money Transfer Operators
• Online Platforms
• Others

Global Digital Remittance Market Size by End Use & CAGR (2025-2032)

• Market Overview
• Personal
• Business

Global Digital Remittance Market Size & CAGR (2025-2032)

• North America (Type, Channel, End Use)
  • US
  • Canada
• Europe (Type, Channel, End Use)
  • Germany
  • Spain
  • France
  • UK
  • Italy
  • Rest of Europe
• Asia Pacific (Type, Channel, End Use)
  • China
  • India
  • Japan
  • South Korea
  • Rest of Asia-Pacific
• Latin America (Type, Channel, End Use)
  • Brazil
  • Rest of Latin America
• Middle East & Africa (Type, Channel, End Use)
  • GCC Countries
  • South Africa
  • Rest of Middle East & Africa

Competitive Intelligence

• Top 5 Player Comparison
• Market Positioning of Key Players, 2024
• Strategies Adopted by Key Market Players
• Recent Developments in the Market
• Company Market Share Analysis, 2024
• Company Profiles of All Key Players
  • Company Details
  • Product Portfolio Analysis
  • Company's Segmental Share Analysis
  • Revenue Y-O-Y Comparison (2022-2024)

Key Company Profiles

• Western Union Holdings Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• PayPal Holdings Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Ria Financial Services (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• TransferWise Ltd. (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WorldRemit Ltd. (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Remitly Inc. (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Azimo Limited (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Xoom Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• InstaReM (Singapore)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• TransferGo Ltd. (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Revolut Ltd. (UK)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• OFX (Australia)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Digital Wallet Corporation (Japan)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Flywire (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Remit2India (India)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Viamericas Corporation (USA)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• TNG Wallet (Hong Kong)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• Alipay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments
• WeChat Pay (China)
  • Company Overview
  • Business Segment Overview
  • Financial Updates
  • Key Developments

Conclusion & Recommendations