세계의 디지털 송금 시장 보고서(2025년)
Digital Remittance Global Market Report 2025
상품코드 : 1808152
리서치사 : The Business Research Company
발행일 : On Demand Report
페이지 정보 : 영문 250 Pages
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한글목차

디지털 송금 시장 규모는 향후 수년간 급성장할 것으로 전망됩니다. 2029년 연평균 복합 성장률(CAGR)은 15.7%를 나타내 518억 5,000만 달러로 성장할 전망입니다. 예측 기간의 성장은 디지털 거래를 촉진하는 규제 변경, 안전한 온라인 결제 게이트웨이 개발, 중앙 은행의 디지털 통화 채용, 저비용으로 확장 가능한 디지털 결제 솔루션 개발, 송금에서의 암호화 통화 이용 급증, 인스턴트 실시간 크로스보더 결제 시스템 개발, 송금 아즈아 서비스(raas) 모델의 성장 등에 기인합니다. 예측 기간의 주요 동향으로는 결제시스템의 기술적 진보, 안전하고 투명성이 높은 거래를 위한 블록체인의 통합, 송금서비스에서의 인공지능, 송금서비스에서의 생체인증 통합, 머신러닝 통합 등을 들 수 있습니다.

향후 5년간의 성장률 15.7%라고 하는 예측은 이 시장에 관한 전회의 예측으로부터 0.2%의 소폭의 감소를 반영하고 있습니다. 이 감소는 주로 미국과 다른 국가 간의 관세의 영향 때문입니다. 주로 영국이나 싱가포르에서 개발된 외환 환율 계산 엔진과 규정 준수 심사 플랫폼이 소프트웨어 관세의 영향으로 인한 운영 비용 증가에 직면하기 때문입니다. 또한 상호관세의 영향과 무역의 긴장과 한계 증가에 의한 세계경제와 무역에 대한 악영향에 의해 그 영향은 보다 광범위하게 미칠 것으로 보입니다.

디지털 송금 시장의 예상 성장은 국제 거래 증가에 의해 촉진될 것으로 예측됩니다. 국제 송금 거래는 은행, 국제 송금 서비스, 온라인 플랫폼 또는 특정 대행사를 통해 개인 및 기업의 해외 은행 계좌에 직접 지불을 수반합니다. 디지털 송금은 새로운 송금 네트워크를 활용하고 종종 콜레스 은행의 움직임을 우회하여 보다 빠르고 효율적인 송금을 제공합니다. 예를 들어 미국을 기반으로 하는 국제금융기관인 세계은행에 따르면 공식적으로 등록된 중저소득국(LMICs)으로의 송금이 2022년 4.2% 증가하여 6,300억 달러에 달했습니다. 따라서 디지털 송금 시장 성장은 국제 거래 건수 증가로 이어집니다.

목차

제1장 주요 요약

제2장 시장 특징

제3장 시장 동향과 전략

제4장 시장 : 금리, 인플레이션, 지정학, 무역전쟁과 관세, 그리고 코로나 및 회복이 시장에 미치는 영향을 포함한 거시경제 시나리오

제5장 세계의 성장 분석과 전략 분석 프레임워크

제6장 시장 세분화

제7장 지역별/국가별 분석

제8장 아시아태평양 시장

제9장 중국 시장

제10장 인도 시장

제11장 일본 시장

제12장 호주 시장

제13장 인도네시아 시장

제14장 한국 시장

제15장 서유럽 시장

제16장 영국 시장

제17장 독일 시장

제18장 프랑스 시장

제19장 이탈리아 시장

제20장 스페인 시장

제21장 동유럽 시장

제22장 러시아 시장

제23장 북미 시장

제24장 미국 시장

제25장 캐나다 시장

제26장 남미 시장

제27장 브라질 시장

제28장 중동 시장

제29장 아프리카 시장

제30장 경쟁 구도와 기업 프로파일

제31장 기타 주요 기업 및 혁신 기업

제32장 세계 시장 경쟁 벤치마킹과 대시보드

제33장 주요 인수합병(M&A)

제34장 최근 시장 동향

제35장 시장의 잠재력이 높은 국가, 부문, 전략

제36장 부록

KTH
영문 목차

영문목차

Digital remittances involve the electronic transfer of money across international borders from an individual or entity to others. This digital transaction occurs through various methods, such as online platforms or mobile apps, eliminating the need for physical currency transmission.

The primary categories of digital remittance include inward digital remittance and outward digital remittance. Inward digital remittance ensures the secure transfer of funds from an overseas account to a domestic one through bank-to-bank transactions. This method serves as a financial safeguard for less affluent nations. The channels facilitating these transactions encompass banks, money transfer operators, online platforms, and other avenues. The diverse user base for digital remittances includes migrant laborers, individuals, small businesses, and other entities.

Note that the outlook for this market is being affected by rapid changes in trade relations and tariffs globally. The report will be updated prior to delivery to reflect the latest status, including revised forecasts and quantified impact analysis. The report's Recommendations and Conclusions sections will be updated to give strategies for entities dealing with the fast-moving international environment.

The sharp rise in U.S. tariffs and the ensuing trade tensions in spring 2025 are having a considerable impact on the financial sector, particularly in the areas of investment strategies and risk management. The increased tariffs have intensified market volatility, leading institutional investors to adopt more cautious approaches and driving greater demand for hedging solutions. Banks and asset managers are encountering higher costs in cross-border transactions as disrupted global supply chains and declining corporate earnings weigh on equity market performance. At the same time, insurance providers are facing elevated claims risks linked to supply chain interruptions and trade-related business losses. Furthermore, reduced consumer spending and weaker export demand are limiting credit growth and dampening investment appetite. In response to these challenges, the sector must focus on diversification, accelerate digital transformation, and strengthen scenario planning to manage the heightened economic uncertainty and safeguard profitability.

The digital remittance market research report is one of a series of new reports from The Business Research Company that provides digital remittance market statistics, including digital remittance industry global market size, regional shares, competitors with a digital remittance market share, detailed digital remittance market segments, market trends and opportunities, and any further data you may need to thrive in the digital remittance industry. This digital remittance market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.

The digital remittance market size has grown rapidly in recent years. It will grow from $25.11 billion in 2024 to $28.9 billion in 2025 at a compound annual growth rate (CAGR) of 15.1%. The growth in the historic period can be attributed to globalization and increased migration patterns, expansion of the internet and digital connectivity, rise of mobile and smartphone usage, emergence of online banking and fintech platforms, demand for faster and more convenient money transfers.

The digital remittance market size is expected to see rapid growth in the next few years. It will grow to $51.85 billion in 2029 at a compound annual growth rate (CAGR) of 15.7%. The growth in the forecast period can be attributed to regulatory changes facilitating digital transactions, development of secure online payment gateways, adoption of central bank digital currencies, development of low-cost and scalable digital payment solutions, surge in the use of cryptocurrency for remittances, development of instant and real-time cross-border payment systems, growth of remittance-as-a-service (raas) models. Major trends in the forecast period include technological advancements in payment systems, integration of blockchain for secure and transparent transactions, artificial intelligence in remittance services, integration of biometric authentication in remittance services, integration of machine learning.

The forecast of 15.7% growth over the next five years reflects a modest reduction of 0.2% from the previous estimate for this market. This reduction is primarily due to the impact of tariffs between the US and other countries. This is likely to directly affect the US through higher transfer fees for cross-border transactions, as foreign exchange rate calculation engines and compliance screening platforms, predominantly developed in the United Kingdom and Singapore, face increased operational costs due to software tariff impacts. The effect will also be felt more widely due to reciprocal tariffs and the negative effect on the global economy and trade due to increased trade tensions and restrictions.

The anticipated growth in the digital remittance market is expected to be propelled by a rising number of international transactions. International money transactions involve the direct payment of money to an individual's or company's overseas bank account, facilitated through banks, international money transfer services, online platforms, or specific agents. Digital remittances offer quicker and more efficient transfers, utilizing new money movement networks and, in many cases, bypassing correspondent banking movements. For example, the World Bank, a US-based international financial institution, predicts that officially registered money transfers sent to low- and middle-income countries (LMICs) will increase by 4.2% in 2022 to reach $630 billion. Hence, the growth of the digital remittance market is driven by the rising number of international transactions.

The growing penetration of mobile and internet services is expected to further drive the growth of the digital remittance market. Mobile and internet penetration denotes the widespread accessibility and usage of mobile devices and internet services within a specific population or geographic area. Digital remittances enable quick and secure money transfers through mobile devices and the internet, transforming the traditional remittance process. For instance, as of the beginning of 2022, there were 71.8 million mobile connections in the UK, representing a 3.8% (or around 2.6 million) increase over 2021, according to Uswitch Limited, a UK-based financial conduct authority. Additionally, Demand Sage, a US-based Google Sheets-based revenue operations platform, projects that there will be 5.3 billion internet users worldwide as of 2023, with over 65% of the world's population having internet access. This number is expected to reach 6.54 billion by 2025. Consequently, the rising penetration of mobile and internet services is a driving force for the digital remittance market.

Digital remittance market is witnessing a significant trend of product innovation. Leading players in the digital remittance sector are actively engaged in introducing novel products and solutions to maintain their market positions. For example, in June 2023, Velmie, a US-based financial technology provider, introduced its white-label international remittance software, a platform designed for international money transfers. This solution promises to expedite and reduce the cost of international transactions compared to traditional cross-border payment methods. Velmie's cloud-native software, known for its cost-effectiveness, flexibility, and scalability, empowers clients to launch their own products within an average span of three months. Featuring an innovative currency translation engine fueled by real-time market data and revenue optimization algorithms, the system currently supports over 38 global currencies.

Major companies in the digital remittance market are concentrating on delivering digital services, particularly digital remittance services, to facilitate smooth digital remittances and gain a competitive advantage. Digital remittance service, a secure and efficient electronic platform for cross-border money transfers, is a key focus. For instance, in July 2023, TNG Digital Sdn Bhd, a Malaysia-based e-wallet operator, introduced GOremit, a digital remittance service integrated within the Touch 'n Go eWallet, enabling users to securely send money. Senders undergo electronic Know Your Customer (eKYC) verification and can opt for fund transfers to the recipient's bank account, local eWallet, or cash pick-up points, with recipients typically receiving funds within 15 minutes. The service presently supports e-wallets such as bKash, GCash, and PayMaya, with plans for expanding partnerships in the future.

In August 2022, Remitly, a US-based online remittance service provider, acquired Rewire for $80 million. This strategic acquisition aims to deepen Remitly's connections with clients, enhance convenience and flexibility, and leverage additional capacity and expertise by integrating Rewire's product development and engineering teams. Rewire, based in Israel, is a digital remittance fintech company.

Major companies operating in the digital remittance market include Remitly Inc., Citigroup Inc., American Express Company, PayPal Holdings Inc., Mastercard Inc., Western Union Holdings Inc., MoneyGram International Inc., Ria Money Transfer, Wise Payments Limited, WorldRemit Corp., Flywire Payments Corporation, OzForex Limited., Xoom Corporation, GoCardless Ltd., Nium Pte. Ltd., PaySend, OrbitRemit Limited, Taptap Send, TransferGo Ltd., CurrencyFair, Currencycloud, Pangea Money Transfer, Azimo Ltd., Remitbee, InstaReM Pvt. Ltd., Digital Wallet Corporation, SingX Pte Ltd.

North America was the largest region in the digital remittance market in 2024. Asia-Pacific is expected to be the fastest-growing region in the forecast period. The regions covered in the digital remittance market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa

The countries covered in the digital remittance market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Italy, Spain, Canada.

The digital remittance market includes revenues earned by entities by providing digital remittance from banks digital remittance and digital money transfer operators. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

Digital Remittance Global Market Report 2025 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on digital remittance market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Where is the largest and fastest growing market for digital remittance ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward, including technological disruption, regulatory shifts, and changing consumer preferences? The digital remittance market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The forecasts are made after considering the major factors currently impacting the market. These include the technological advancements such as AI and automation, Russia-Ukraine war, trade tariffs (government-imposed import/export duties), elevated inflation and interest rates.

Scope

Table of Contents

1. Executive Summary

2. Digital Remittance Market Characteristics

3. Digital Remittance Market Trends And Strategies

4. Digital Remittance Market - Macro Economic Scenario Including The Impact Of Interest Rates, Inflation, Geopolitics, Trade Wars and Tariffs, And Covid And Recovery On The Market

5. Global Digital Remittance Growth Analysis And Strategic Analysis Framework

6. Digital Remittance Market Segmentation

7. Digital Remittance Market Regional And Country Analysis

8. Asia-Pacific Digital Remittance Market

9. China Digital Remittance Market

10. India Digital Remittance Market

11. Japan Digital Remittance Market

12. Australia Digital Remittance Market

13. Indonesia Digital Remittance Market

14. South Korea Digital Remittance Market

15. Western Europe Digital Remittance Market

16. UK Digital Remittance Market

17. Germany Digital Remittance Market

18. France Digital Remittance Market

19. Italy Digital Remittance Market

20. Spain Digital Remittance Market

21. Eastern Europe Digital Remittance Market

22. Russia Digital Remittance Market

23. North America Digital Remittance Market

24. USA Digital Remittance Market

25. Canada Digital Remittance Market

26. South America Digital Remittance Market

27. Brazil Digital Remittance Market

28. Middle East Digital Remittance Market

29. Africa Digital Remittance Market

30. Digital Remittance Market Competitive Landscape And Company Profiles

31. Digital Remittance Market Other Major And Innovative Companies

32. Global Digital Remittance Market Competitive Benchmarking And Dashboard

33. Key Mergers And Acquisitions In The Digital Remittance Market

34. Recent Developments In The Digital Remittance Market

35. Digital Remittance Market High Potential Countries, Segments and Strategies

36. Appendix

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