2025-11-17-GSMA-2025年全球移动货币行业状况深度研究报告_17页_906kb

Global Mobile Money Industry Summary:

• Account Growth: Mobile money registered accounts reached 2.1 billion in 2024, up 14% year-on-year, with Sub-Saharan Africa accounting for 67% of new registrations.
• Transaction Value: Total mobile money transactions grew to $1.68 trillion in 2024, representing a 16% increase, averaging $336 billion per day.
• Monthly Active Accounts: 514 million accounts were active monthly in 2024, rising 11% compared to 2023.
• Active Agents: 10.1 million active agents saw a 17% growth, with East Africa dominating new agent expansions.
• Regional Insights: East Asia and the Pacific showed the fastest revenue growth at 96% over the past year, while Sub-Saharan Africa led in account growth.
• Transaction Types: Digital transactions outpaced cash-based ones since 2019; merchant payments and P2P transfers saw significant growth, while cash-based transactions declined.
• Additional Uses: Bulk disbursements and proximity payments (e.g., QR codes, apps) grew, with utilities and merchants being key partners.
• International Remittances: Over 270 million international remittances were processed monthly in 2024, up 28% year-on-year.
• Financial Services: A third of providers offer savings, credit, or insurance products, supporting financial inclusion.
• Challenges: Fraud is a top concern, affecting trust; regulatory issues and a persistent gender gap (e.g., low awareness in India and high disparities in Pakistan) were noted.
• Trends: Mobile money continues to drive financial inclusion and cross-border transfers, with increasing integration and digital adoption.