2025年全球移动支付行业现状报告（英）_97页_10mb

GSMA Mobile Money Industry Report 2025 Summary

Key Highlights

• Market Growth: Mobile money crossed two billion registered accounts (+14% YoY) with 514 million monthly active users (+11% YoY). Sub-Saharan Africa remains the epicenter, accounting for ~1.1 billion accounts, while East Asia-Pacific and MENA show rapid growth.
• Economic Impact: Mobile money contributed an additional $720B to global GDP in 2023, increasing GDP by 1.7% in countries with the service. Sub-Saharan Africa saw a $190B contribution from mobile money (up from $150B in 2022).
• Transaction Volume: ~108 billion transactions worth $1.68T processed in 2024, with merchant payments as the highest-value use case (~$1.1T).
• Adjacent Services: Credit (44% of providers), savings (34%), and insurance (28%) are expanding. Mobile money is increasingly integral to MNOs' business models, now contributing up to 42% of Safaricom’s revenue.
• Gender Gap: Female account ownership and usage remain significantly lower in markets like Pakistan (70% gap) and Bangladesh. Initiatives like financial literacy training by Maya Bank (Philippines) and partnerships are addressing this.
• Regional Trends: East Asia-Pacific (Cambodia, Philippines) shows strong growth due to enabling regulations. Latin America faces challenges post-2022 service closures but maintains the highest monthly activity rate (~32%).
• Fraud & Regulation: Mobile money fraud remains a concern in Africa and Asia; regulators are enhancing consumer protection, licensing frameworks, and cross-border interoperability.

Driving Use Cases

• Ecosystem transactions (+20% YoY) and P2P transfers ($73B) drive growth. Digital skills training (“Ratiba” by M-PESA) supports recurring bill payments and credit adoption.
• International remittances grew fastest (+22% YoY to $34B), with Sub-Saharan Africa accounting for ~70% of volumes.

Strategic Outlook

Mobile money is evolving beyond payments to enable credit, savings, insurance, and climate-resilient financing (e.g., Lersha’s agricultural insurance in Ethiopia). Partnerships (e.g., PayShap integration with MTN MoMo) and investments by players like Mastercard/MUFG are accelerating innovations.

Footer Note

This summary captures the core trends, markets, and challenges in the global mobile money ecosystem for 2024-2025, based on the GSMA’s comprehensive analysis.