2025年全球移动货币行业状况深度研究报告

Global Deep Dive Mobile money around the world in 2024 Mobile money registered accountssurpassed two billion in 2024 251millionnewregistered accountsin 2024 222million Sub-Saharan Africa andEast Asia and the Pacificcontributed 222m newregistered accounts East-Africa drove monthly active usergrowth in 2024… 514million Accounts active on amonthly basis 11% ↑Year-on-yeargrowth …and led the expansion of active mobilemoney agents too 28millionRegistered agents Active on amonthly basis 10.1millionActive agents↑17% increase The value of daily mobile money transactionsdoubled in the past five years $1.7trillionTransacted in 2024 16% ↑Year-on-yeargrowth Digital transactions have grown faster thancash-based transactions since 2019 Third-party partnerships drive mobilemoney transaction growth On average, providers are integrated with: ■62%of surveyparticipants published Bulk disbursements conveniently deliversalaries to millions of people every year Bulkdisbursements $8billionprocessed per month 2.1 millionpeople received their salary throughbulk payments in June 2024 89% of respondents offer bulkdisbursements ↑Year-on-yearvolume growth The volume of cashless purchases Merchantpayments $8.7billion 735kAverage number of uniquecustomer accounts perdeployment that performed 15% 21% increase sinceSeptember 2023 ↑Year-on-yearvolume growth International remittances are now offered by overfour-fifths of mobile money providers* Mobile Moneyinternationalremittances $2.8billion processed per month 22% ↑Year-on-yearvalue growth 22% ↑Year-on-yearvolume growth Flows between mobile money platforms andbanks continue to grow Bank-to-mobileandmobile-to-bank $21billionprocessed per month Mobile money remains a key avenue for users tosave, borrow and access financial protection Current regulatory challenges Around■halfof surveyrespondents report thatlicensing,consumerprotection,KYC andagent networkregulations havebecome more enabling While registered mobile money accounts havereached two billion, a significant gender gap persists Mobile money revenues grew much faster inEast Asia and the Pacific than in other regions Download the report gsma.com/sotir #SOTIR2025