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デジタル送金:国内&海外送金 2019-2024年

Digital Money Transfer & Remittances

Domestic & International Markets 2019-2024

 

出版社 出版年月電子版価格 ページ数
Juniper Research
ジュニパーリサーチ社
2019年6月GBP4,090
企業ライセンス(PDF+Excel)
104

「Deep Dive Strategy & Competition」「Deep Dive Data & Forecasting」のみの購入も可能です。詳しくはお問合せ下さい。

サマリー

このレポートはデジタル送金市場を調査し、サービス展開の成功例、成長に最適な市場の特定、主要企業の能力評価、市場の予測を掲載しています。

市場予測

  • モバイル国内送金
  • モバイル海外送金
  • オンライン国内送金
  • オンライン海外送金

取引タイプ別モバイル送金の市場予測

  • 一括払い
  • 引出
  • 入金
  • 国内の通話時間チャージ(トップアップ)
  • 国内P2P送金
  • 海外の通話時間チャージ(トップアップ)
  • 海外P2P送金

Overview

Juniper’s latest Digital Money Transfer & Remittances research provides an exhaustive, independent assessment of both the domestic and international digital money transfer and remittance markets.

The research explores the best practice for service deployment, identifies optimal markets for growth, assesses key player capabilities, and provides the most in-depth forecasts for a range of key metrics. It also analyses the emerging suitability of blockchain as a mechanism to underpin money transfer, and the impact this will have.

The research includes an analysis of the long-term implications of, and strategic recommendations for:

  • Mobile & Online Domestic Money Transfer
  • Mobile & Online International Money Transfer & Remittances
This research suite includes:
  • Deep Dive Strategy & Competition (PDF)
  • 5-Year Deep Dive Data & Forecasting (PDF & Excel)
  • Executive Summary & Core Findings (PDF)
  • 12 months' access to harvest online data platform

Key Features

  • Sector Dynamics: Provides an in-depth evaluation of the digital money transfer ecosystem, highlighting adoption for key segments:
    • Mobile Domestic Money Transfer
    • Online Domestic Money Transfer
    • Mobile International Money Transfer & Remittances
    • Online International Money Transfer & Remittances
  • Trends & Disruptor Assessment: Strategic analysis of key digital money transfer trends and market disruptions, including the emergence of blockchain technology, rising levels of interoperability and the implications of rising banked populations on mobile money.
  • Interviews: Leading money transfer and remittance vendors across the value chain interviewed:
    • Amdocs
    • Mahindra Comviva
    • IBM
  • Juniper Leaderboard: Key money transfer and remittance platform vendor capability and capacity assessment for 15 vendors, together with our Leaderboard positioning matrix.
  • Juniper Positioning Indices: Analyses leading global mobile money players and digital remittance providers to evaluate their respective positioning in the digital innovation, service offering, market share and agility roadmap.
  • Benchmark Industry Forecasts: Provided for the size and growth of the domestic and international money transfer sectors, including user adoption and transaction values:
    • Domestic: split by 8 key regions, 15 national markets and 8 mobile money transfer types.
    • International: split by 8 key regions, 10 national markets and 2 mobile money transfer and remittance types.

Key Questions

  1. Which are the key players disrupting the digital money transfer landscape? Will they remain successful?
  2. To what extent are disruptive technology players changing the domestic money transfer market?
  3. What key trends are shaping the growth of the mobile money and international remittances market today?
  4. How is international money transfer and remittances gaining traction in the mobile arena?
  5. What role can blockchain play in disrupting established international remittance business models?

Companies Referenced

Interviewed: Amdocs, IBM, Comviva.
 
Profiled: Amdocs, eServGlobal, Huawei, IBM, Infosys EdgeVerve, Interac, Comviva, Mastercard, OBOPAY, PayPal, RemitONE, Ripple, Telepin Software, TransferTo, Visa.
 
Case Studied: Everex, IBM.
 
Included in Player Positioning Indices: Airtel Money, Alipay, Azimo, bKash, Easypaisa, EcoCash, Equitel Money, FairFX, FNB eWallet, MoneyGram, M-Pesa, MTN Mobile Money, OFX, Ooredoo Money, Orange Money, Paytm, Remitly, Ria, Smart Padala, Tigo, Transfast, TransferWise, UAE Exchange, Venmo, WeChat Pay, Western Union, WorldRemit, Xoom.
 
Mentioned: AB Bank, Abu Sheika, Accenture, Acision, Adyen, Aerie Networks, AFEX Money Express, African Banking Corporation, AfroCoin, Al Fardan Exchange, ALDI, Allianz, Allstate Insurance, American Express, Ancestry.com, Ant Financial, ANZ, AOL, Apple, Arthur Andersen, AsiaHawala, Axis Bank, Azam Group, Banco Do Brasil, Bancolombia, Bank of America, Bank of America Merrill Lynch, Bank of Montreal, Bank of Tanzania, Bank of Uganda, Banque Atlantique, Batelco bwallet, Berkshire Hathaway, BICS, Bill & Melinda Gates Foundation, Borsa Italiana, Braintree, BSNL, Canadian Western Bank, Cassava Smartech, Central Bank of Kenya, Central Bank of Nigeria, Chase, China Construction Bank, CIBC, Citi, Commerce Bank, Dahabshiil, Deloitte, Depository Trust & Clearing Corporation, Desjardins, Deutsche Bank, Dialpad Communications, Digicel, Discover Financial Services, Ditto, Djezzy, du, Early Warning, EcoCash, Econet Wireless, Emirates NBD, Equity Bank, Ericsson, Essar, Etilsalat, Euronet, Facebook, Feeding America, Fidor, Finablr, First Calgary Financial, Fiserv, FNB eWallet, Freedom Mobile, Globe Cash, Google, Grab, Grameenphone, Green Dot, GSMA, Hand2Hand, HiFX, Hightail, HPB, HSBC, Hyperledger, Hyperwallet, ICICI Bank, IMB, IME, IMF, ING, Ingo Money, ITU, JazzCash, JP Morgan, JSC Mobile Finance, KASIKORNBANK, KBC, KICB ELSOM, Kim Phu Money Transfer, Klarna, Kotak Mahindra Bank, Lebara Mobile, Libro Credit Union, Lyft, Maersk, MallforAfrica, Maroc Telecom, Mascom Wireless, Maxis M‑Money, MCB Bank, Meagher Moynihan, MetroRemit, Millicom, Mobile Money Guyana, Movii, MUFG Bank, Mukuru, Natixis, NatWest Bank, NCA (National Communications Authority), Noble, Omantel e-Floos, Omidyar Network, OnDeck, Orbiscom, OutMatch, Paddy Power Betfair, Paga, Rabobank, RakBank, Rakuten, RBC, RBI, RCBC, Reggae Money, Remit2India, Roshan M-Paisa, Safaricom, SAMA (the Saudi Arabian Monetary Authority), Samsung, Santander, Scentre Group, Scotiabank, Shinhan Bank of South Korea, Siam Commercial Bank, Singaporean United Overseas Bank, Skype, Slack, Societe Generale, Somtel e-Dahab, Sony, Square, Standard Bank, Standard Chartered Bank, State Bank of India, Strex, Stripe, Swych, Symphoni, Tangerine Bank, TD, Telecel, Telenor, Tempo France, T-Mobile, Tonic Health, TransferTo, Travelex, True Move, Uber, Uganda Telecom, UN, UNICEF, Unicredit, Union Bank of the Philippines, United Bank for Africa, UnityLink Financial Services, Valyou Mobile Wallet, Vantiv, Viber, VocaLink Holdings, Vodacom, Vodafone, Volaris Group, Walmart, Warid Telecom, WeChat, Westpac, WhatsApp, Wing Money, World Bank, Worldpay, XE, Xpress Money, Yahoo, Zain, ZICTA (Zambia Information and Communications Technology Authority), Zolotaya Korona.
 

Data & Interactive Forecast

Juniper’s latest Digital Money Transfer & Remittances forecast suite includes:
  • Data splits for:
    • Mobile Domestic Money Transfer
    • Mobile International Money Transfer
    • Online Domestic Money Transfer
    • Online International Money Transfer
  • Mobile Money Transfer & Remittance splits by 7 Transaction Types:
    • Bulk Disbursement
    • Cash-in
    • Cash-out
    • Domestic Airtime Top-Up
    • Domestic P2P Remittance
    • International Airtime Top-Up
    • International P2P Remittance
  • Splits by 8 key geographical regions and by 9 key markets:
    • US
    • Canada
    • Denmark
    • Germany
    • Norway
    • Portugal
    • Spain
    • Sweden
    • UK
  • Plus additional 6 markets for mobile money transfer and remittances:
    • Kenya
    • Mexico
    • Nigeria
    • Philippines
    • Saudi Arabia
    • Tanzania
  • Interactive Scenario tool allowing user to manipulate Juniper’s data for 28 different metrics.
  • Access to the full set of forecast data of over 100 tables and 12,500 data points.
Juniper Research’s highly granular interactive Excels enable clients to manipulate Juniper’s forecast data and charts to test their own assumptions using the Interactive Scenario Tool, and compare select markets side by side in customised charts and tables. IFxls greatly increase clients’ ability to both understand a particular market and to integrate their own views into the model.

 



目次

Deep Dive Strategy & Competition 2019-2024

1. International Money Transfer & Remittances: Market Status

1.1 Market Status & Disruptive Factors. 6
1.1.1 International Remittances Market in 2017 . 6
Figure 1.1: $10 billion+ International Remittance Corridors in 2018 . 6
Table 1.2: Top International Remittance Countries (Sending & Receiving $m) in 2017 . 7
1.1.2 International Remittance Outlook: The World Bank . 7
Figure 1.3: World Of f icial Remittance Flow Forecast by the World Bank ($bn) 2015-2022 . 7
1.1.3 Trend: Digital MTOs Increase Market Share, Focus on Market Expansion & Scale . 8
Figure 1.4: Digital MTO Developments . 8
Figure 1.5: Key Digital Players’ Market Share Increase, Transaction Value, 2015-2019 . 9
1.1.4 Trend: Remittance Fees Continue to Fall . 9
Figure 1.6: Change in Average Remittance Fee (%) 2014-Q1 2019. 9
1.1.5 Trend: Strong Demand for Mobile Services .10
Figure 1.7: Number of Mobile Subscribers Who Send International Transfers (m),
Selected Regions, 2013-2018 . 10
1.1.6 Market Status: International Remittances via Mobile Money .11
Figure 1.8: Breakdow n of Mobile Money International Remittance Sources & Destinations. 11
1.1.7 Market Update: Blockchain Disruption in Cross-Border Remittances .12
Figure 1.9: Current Cross-border Settlement Process . 12
Figure 1.10: Blockchain-based Cross-border Settlement Process .12
i. Stablecoins.13
Case Study: Everex .13
ii. Practical Development & Deployment .14
iii. Blockchain Future Outlook.14
Case Study: IBM Blockchain World Wire .14
1.1.8 Trend: Indian Subcontinent & Latin America Emerge as Key
International Remittance Markets for Fintechs .16
Figure 1.11: Mobile & Online International Remittance Service Provider Service
Revenue Opportunity pa ($m), Selected Regions, 2019-2024 .16
1.2 Player Analysis: Leaders, Disruptors & Innovators .17
1.2.1 Market Leaders & Positioning .17
Figure 1.12: International Money Transfer & Remittance Transaction Value
Market Share for Leading Players (%) in 2018 .17
Figure 1.13: International Money Transfer & Remittance Transaction Value ($m)
Split by Leading Players 2015-2020.18
1.2.2 Juniper Player Positioning Index: Digital International Remittances .19
i. Introduction .19
Table 1.14: Juniper Player Positioning Index: Scoring Criteria.19
Figure 1.15: Juniper Player Positioning Index - Digital International Money
Transfer & Remittances .20
ii. Landscape Analysis .21

2. Domestic Money Transfer & Mobile Money: Market Status

2.1 Introduction .26
2.2 Market Status & Disruptive Factors.26
2.2.1 Mobile Money: Market Status & Outlook .26
Figure 2.1: Key Global Statistics. 26
Figure 2.2: Number of Live Mobile Money Services, 2012-2018 . 27
i. Leading Mobile Money Markets . 28
Figure 2.3: Af rica & Middle East, Registered Mobile Money Users, Year End 2017
(397 million) & 2018 (466 million) . 28
2.2.2 Trend: Rising Interoperability of Mobile Money Solutions
Blurs Distinction from International Services.28
2.2.3 Market Update: Social Payments .29
2.2.4 Trend: Mobile Money Fraud a Major Concern Across Markets.30
2.2.5 Juniper Survey Findings 2018: Domestic A2A Money Transfer & Blockchain Adoption .31
Figure 2.4: A2A Balance Transfer Activities Amongst US & UK Consumers ?
Juniper Survey 2018. 31
Figure 2.5: Financial Management, Services & Payments Dominating Potential
Blockchain Deployments . 31
2.2.6 Trend: Mobile Banking Soars in Emerging Markets .32
Figure 2.6: Mobile Banking vs Mobile Domestic Money Transfer Users y-o-y
Growth in 2018 (%), Emerging Markets . 32
2.3 Player Analysis: Mobile Money Disruptors & Innovators .32
2.3.1 Mobile Money: Market Leaders & Positioning .32
Figure 2.7: Leading Mobile Money Players in Unbanked Markets, Transactional
Value Market Share (%) in 2018: Top 12. 33
2.3.2 Juniper Player Positioning Index: Mobile Money Transfer .34
i. Introduction . 34
Table 2.8: Juniper Player Positioning Index: Scoring Criteria . 34
Figure 2.9: Juniper Player Positioning Index - Domestic Mobile Money Transfer Services .35
ii. Landscape Analysis for Leading Players.36

3. Player Landscape & Juniper Leaderboard

3.1 Introduction .41
3.2 Juniper Leaderboard .41
3.2.1 Vendor Assessment Criteria .41
Table 3.1: Digital Money Transfer & Remittances Platform Vendor Assessment Criteria .42
3.2.2 Vendor Analysis: Capability Assessment & Market
Positioning .43
Table 3.2: Juniper Leaderboard Scoring Matrix: Capability & Capacity vs Product & Position.43
Table 3.3: Vendor Analysis Scoring Matrix: Mobile Money & Remittances
Segment Coverage Map .44
Figure 3.4: Juniper Leaderboard for Domestic & International Money Transfer &
Remittances Market .45
3.2.3 Leaderboard Groupings.46
i. Established Leaders.46
ii. Leading Challengers .46
3.2.4 Limitations & Interpretation .47
3.3 Money Transfer Movers & Shakers .49
3.4 Vendor Profiles .51
3.4.1 Amdocs .51
i. Corporate .51
Table 3.5: Amdocs Financial Performance Snapshot ($m), 2016-2018 .51
ii. Geographic Spread .51
iii. Key Clients & Strategic Partnerships. 51
iv. High Level View of Offerings . 51
v. Juniper’s View : Key Strengths & Strategic Development Opportunities . 52
3.4.2 eServGlobal .52
i. Corporate. 52
Table 3.6: eServGlobal Financial Performance Snapshot, FY 2016-2018. 53
ii. Geographic Spread . 53
iii. Key Clients & Strategic Partnerships. 53
iv. High Level View of Offerings . 53
v. Juniper’s View : Key Strengths & Strategic Development Opportunities . 54
3.4.3 Huawei.54
i. Corporate. 54
Table 3.7: Huaw ei Financial Performance Snapshot (CNY bn) 2016-2018 . 54
ii. Geographic Spread . 55
iii. Key Clients & Strategic Partnerships. 55
iv. High Level View of Offerings . 55
v. Juniper’s View : Key Strengths & Strategic Development Opportunities . 55
3.4.4 IBM .56
i. Corporate. 56
Table 4.13: IBM Financial Snapshot ($m) 2016-2018. 56
ii. Geographic Spread . 56
iii. Key Clients & Strategic Partnerships. 56
iv. High Level View of Offerings . 57
v. Juniper’s View : Key Strengths & Strategic Development Opportunities . 57
3.4.5 Infosys EdgeVerve .57
i. Corporate. 57
ii. Geographic Spread .58
iii. Key Clients & Strategic Partnerships .58
iv. High Level View of Offerings .58
v. Juniper’s View : Key Strengths & Strategic Development Opportunities .59
3.4.6 Interac .59
i. Corporate .59
ii. Geographic Spread .60
iii. Key Clients & Strategic Partnerships .60
iv. High Level View of Offerings .60
v. Juniper’s View : Key Strengths & Strategic Development Opportunities .60
3.4.7 Comviva .61
i. Corporate .61
ii. Geographic Spread .61
iii. Key Clients & Strategic Partnerships .61
iv. High Level View of Offerings .61
v. Juniper’s View : Key Strengths & Strategic Development Opportunities .63
3.4.8 Mastercard .63
i. Corporate .63
Table 3.8: Mastercard Financial Performance Snapshot ($m), 2016-2018 .63
ii. Geographic Spread .64
iii. Key Clients & Strategic Partnerships .64
iv. High Level View of Offerings .64
v. Juniper’s View : Key Strengths & Strategic Development Opportunities .64
3.4.9 OBOPAY .65
i. Corporate .65
ii. Geographic Spread .65
iii. Key Clients & Strategic Partnerships. 65
iv. High Level View of Offerings . 65
v. Juniper’s View : Key Strengths & Strategic Development Opportunities . 65
3.4.10 PayPal.66
i. Corporate. 66
ii. Geographic Spread . 66
iii. Key Clients & Strategic Partnerships. 66
iv. High Level View of Offerings . 67
v. Juniper’s View : Key Strengths & Strategic Development Opportunities . 67
3.4.11 RemitONE .68
i. Corporate. 68
ii. Geographic Spread . 68
iii. Key Clients & Strategic Partnerships. 68
iv. High Level View of Offerings . 68
Figure 3.10: Money Transfer Platform . 68
v. Juniper’s View : Key Strengths and Strategic Development Opportunities . 69
3.4.12 Ripple .69
i. Corporate. 69
ii. Geographic Spread . 69
iii. Key Clients & Strategic Partnerships. 69
iv. High Level View of Offerings . 70
v. Juniper’s View : Key Strengths and Strategic Development Opportunities . 70
3.4.13 Telepin Software.70
i. Corporate. 70
ii. Geographic Spread . 71
iii. Key Clients & Strategic Partnerships. 71
iv. High Level View of Offerings .71
v. Juniper’s View : Key Strengths and Strategic Development Opportunities.71
3.4.14 TransferTo .72
i. Corporate .72
ii. Geographic Spread .72
iii. Key Clients & Strategic Partnerships .72
iv. High Level View of Offerings .72
v. Juniper’s View : Key Strengths & Strategic Development Opportunities .73
3.4.15 Visa .73
i. Corporate .73
Table 3.11: Visa Financial Performance Snapshot ($m), 2015-2018 (FYE 30
September) .73
ii. Geographic Spread .74
iii. Key Clients & Strategic Partnerships .74
iv. High Level View of Offerings .74
Figure 3.12: Visa Direct Funds Transfer API Snapshot.74
v. Juniper’s View : Key Strengths & Strategic Development Opportunities .75

Deep Dive Data & Forecasting 2019-2024

1. Understanding the Mobile Money Transfer Market

1.1 Money Transfer & Remittances: Current Market Status . 4
Figure 1.1: $10 billion+ International Remittance Corridors in 2017 . 4
Table 1.2: Top International Remittance Countries (Sending & Receiving $m) in 2017 . 5
1.1.1 Mobile Money: Market Status & Outlook . 5
Figure 1.3: Key Global Statistics. 5
Figure 1.4: Number of Live Mobile Money Services, 2012-2018 . 6
1.2 Market Sizing: Introduction. 6
1.2.1 Methodology & Market Sizing. 7
1.2.2 Factors Driving the Mobile & Online Money Transfer &
Remittances Market in 2018 & Beyond . 8
i. Domestic Services . 8
ii. International Remittances . 8
1.2.3 Indicators. 9
Figure 1.5: Money Transfer & Remittances Market Forecast Methodology . 10

2. Money Transfer & Remittances: Forecast Summary

2.1 Digital Money Transfer & Remittances Usage Forecasts .12
2.1.1 Mobile & Online Digital Money Transfer Active Users.12
Figure & Table 2.1: Total Number of Active Digital Money Transfer Users (m) Split
by 8 Key Regions 2019-2024 . 12
2.2 Money Transfer & Remittances: Transaction Forecast Summary .13
2.2.1 Mobile & Online Money Transfer & Remittances: Total Transaction Volume .13
Figure & Table 2.2: Total Money Transfer & Remittance Transactions Per Annum
(m) Split by 8 Key Regions 2019-2024.13
2.2.2 Mobile & Online Money Transfer & Remittances: Total Transaction Value .14
Figure & Table 2.3: Total Value of All Mobile & Online Money Transfers ($m) Per
Annum Split by 8 Key Regions 2019-2024.14
2.3 Service Provider Revenue Opportunity .15
Figure & Table 2.4: Service Provider Revenue Opportunity f rom Money Transfer
& Remittance Services ($m) Split by 8 Key Regions 2019-2024.15

3. Domestic Money Transfer: Market Forecasts & Key Takeaways

3.1 Introduction .17
3.2 Domestic Money Transfer: Usage .17
3.2.1 Active Users.18
Figure & Table 3.1: Mobile & Online Domestic Money Transfer, Active Users (m)
Split by 8 Key Regions 2019-2024 .18
3.3 Domestic Money Transfer: Transactions .19
3.3.1 Transaction Volume .19
Figure & Table 3.2: Total Number of Mobile & Online Domestic Money Transfer
Transactions (m) Per Annum Split by 8 Key Regions 2019-2024 .19
3.3.2 Total Transaction Value .20
Figure 3.3: Global Average Size of Domestic Transactions ($) Split by Mobile &
Online Channels 2019-2024 .20
Figure & Table 3.4: Total Value of Mobile & Online Domestic Transactions ($m)
Per Annum Split by 8 Key Regions 2019-2024 .21
3.3.3 Service Provider Revenue Opportunity.22
Figure & Table 3.5: Service Provider Domestic Money Transfer Revenue ($m)
Split by 8 Key Regions 2019-2024. 22
4. International Money Transfer & Remittances:
Market Forecasts & Key Takeaways

4.1 International Money Transfer: Usage .24

4.1.1 Active Users.24
Figure & Table 4.1: Mobile & Online International Money Transfer, Active Users
(m) Split by 8 Key Regions 2019-2024 . 24
4.2 International Money Transfer: Transactions .25
4.2.1 Transaction Volume .25
Figure & Table 4.2: Total Number of Mobile & Online International Money
Transfer Transactions (m) Per Annum Split by 8 Key Regions 2019-2024 . 25
4.2.2 Transaction Value .26
Figure & Table 4.3: Global Average Size of International Transactions ($) Split by
Mobile Remittance, Mobile Top-Ups & Online Remittance 2019-2024 . 26
Figure & Table 4.4: Total Value of Mobile & Online International Transactions
($m) Per Annum Split by 8 Key Regions 2019-2024 . 27
4.2.3 Service Provider Revenue Opportunity Forecast.28
Figure & Table 4.5: Service Provider Revenue Opportunity f rom International
Mobile & Online Remittance ($m) Split by 8 Key Regions 2019-2024 . 28
i. International Money Transfer & Remittances Commission Rates . 28
Figure & Table 4.6: International Money Transfer & Remittance Commission
Rates (%) Split by 8 Key Regions 2019-2024. 29

 

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