世界银行：2023年第二季全球汇款成本报告_30页_2mb

Summary of World Bank's "Remittance Prices Worldwide" Issue 46, June 2023 Report

This report analyzes global trends and key findings on remittance prices, based on data collected from June 2023. It monitors costs across 367 corridors worldwide, covering major remittance corridors since Q2 2016. The report highlights progress toward reducing remittance costs to meet G20 and UN SDG targets, with key insights derived from the global dataset.

Key Findings:

• Global Average Cost: The average cost for sending $200 decreased from 6.25% in Q1 2023 to 6.20% in Q2 2023, continuing a downward trend since Q1 2009.
• Digital vs. Non-Digital Services: Digital remittances averaged 4.60% (down from 4.72% in Q1 2023), while non-digital costs were 6.89%. Digital-only MTO index dropped to 3.61%, indicating slower growth.
• Regional Costs: Sub-Saharan Africa remains the most expensive region at 7.92%, while South Asia is the cheapest at 4.31%. The proportion of corridors with costs below 5% increased to 38%.
• Provider Costs: Banks are the most expensive, averaging 12.09%, contrasting with mobile operators at 4.11%.
• Instrument Trends: Mobile money was the lowest-cost instrument for both sending and receiving at 4.40%.
• Impact of Global Events: Data collection excluded Russian-origin corridors due to the Ukraine conflict, and methodology changes affected some analyses.

Global Trends:

• Cost reductions are observed across regions, with Sub-Saharan Africa showing the largest decrease (from 8.35% to 7.92%) and Latin America and the Caribbean experiencing increases.
• Digital services continue to drive cost reductions, but their adoption remains limited in high-cost regions.
• Progress trackers show the global average is on track to reduce costs further, with over 70% of corridors under the target.

The report underscores the ongoing efforts to enhance remittance affordability, focusing on innovation and policy interventions to achieve long-term cost reduction targets.