全球移动支付行业现状2023-英-84页_21mb

Mobile Money Industry Overview (2023 Report)

• Key Statistics: Mobile money accounts grew to 1.6 billion registered accounts (+13% YoY) and 401 million active 30-day accounts (+13% YoY) in 2022. Transaction value reached $1.26 trillion (+22% YoY), with agents processing $294 million in cash-in transactions.

• Post-COVID Growth: The pandemic accelerated mobile money adoption, transforming digital payments from a novelty to a habitual service. Transaction growth outpaced new registrations, indicating industry maturity.

• Regional Expansion: Sub-Saharan Africa drove significant growth, with Nigeria and Ethiopia benefiting from regulatory liberalization. Mobile money services expanded to 315 live services in 102 countries, supporting financial inclusion for underserved populations.

• Gender Gap: Women remain 28% less likely to have mobile money accounts than men, with gaps widening in countries like India and Pakistan. Once women have accounts, usage patterns align with men on a 30-day basis, but barriers like low mobile ownership, digital literacy, and social norms persist.

• New Use Cases and Partnerships: Bill payments grew by 36% YoY, reaching nearly $88 billion. Interoperability between mobile money and banks increased, with partnerships emerging in digital credit, insurance, and agriculture. Collaborations with fintechs and global payment networks enhance service diversity.

• Challenges: Taxation policies in countries like Ghana and Tanzania increase transaction costs, while fraud and regulatory overlaps pose risks. The industry is addressing these through consumer protection frameworks and KYC innovations.

• Future Outlook: Mobile money continues to drive financial inclusion and socio-economic impact, with potential to close the gender gap and support climate finance. Ongoing innovation and policy dialogue will shape growth.