斯威士兰王国：国际汇款市场回顾（英）2025

Public Disclosure Authorized KINGDOM OF ESWATINI Assessment Report on the Basis of the CPMI – World BankGeneral Principles for International Remittance Services Oya Ardic Alper, Ajai Nair © 2025 International Bank for Reconstruction and Development / The World Bank1818 H Street NWWashington DC 20433Telephone: 202-473-1000Internet:www.worldbank.org This work is a product of the staff of The World Bank with external contributions. The findings, interpretations, andconclusions expressed in this work do not necessarily reflect the views of The World Bank, its Board of ExecutiveDirectors, or the governments they represent. The World Bank does not guarantee the accuracy, completeness, or currency of the data included in this work and doesnot assume responsibility for any errors, omissions, or discrepancies in the information, or liability with respect to the useof or failure to use the information, methods, processes, or conclusions set forth. The boundaries, colors, denominations,links/footnotes and other information shown in this work do not imply any judgment on the part of The World Bankconcerning the legal status of any territory or the endorsement or acceptance of such boundaries. The citation of worksauthored by others does not mean the World Bank endorses the views expressed by those authors or the content oftheir works. Nothing herein shall constitute or be construed or considered to be a limitation upon or waiver of the privileges andimmunities of The World Bank, all of which are specifically reserved. The material in this work is subject to copyright. Because The World Bank encourages dissemination of its knowledge, thiswork may be reproduced, in whole or in part, for noncommercial purposes as long as full attribution to this work is given. Any queries on rights and licenses, including subsidiary rights, should be addressed to World Bank Publications, The WorldBank Group, 1818 H Street NW, Washington, DC 20433, USA; fax: 202-522-2625; e-mail:pubrights@worldbank.org. Cover photo: © Shutterstock Table of Contents IIICPMI-World Bank General Principles Assessment12 3.1 General Principle 1: Transparency and Consumer Protection123.2General Principle 2: Payment Systems Infrastructure153.3General Principle 3: Legal and Regulatory Environment193.4General Principle 4: Market Structure and Competition223.5General Principle 5: Governance and Risk Management233.6Role of Remittance Service Providers243.7Role of Public Authorities25 Annex 1: List of Entities Met during the Assessment Mission29 Acknowledgements This report was prepared by Oya Ardic Alper and Ajai Nair, Senior Financial Sector Specialists, under theguidance of Consolate Rusagara and Harish Natarajan, Practice Managers. Nenad Bosiljcic, Consultant, providedtechnical input to the report. Marco Nicoli and Karol Karpinski, Senior Financial Sector Specialists, provided apeer-review of the report. Nomagugu Goodness Khumalo (Team Assistant) provided administrative supportto the assessment mission in 2023 and the validation workshop in 2025. Sandra Jenkins and Marcy Gessel ofPublications Professionals LLC copyedited the report and Bruna Simoes designed the report for publication. This report is based on an earlier version of the report prepared by Alice Zanza (Senior Financial Sector Specialist)and included World Bank Consultants Juanita Woodward, Guy Patrick Ewoukem Elat, and Gertrude Kadumbo,who undertook the assessment mission in 2023. Edlira Dashi provided technical input to the earlier draft of thereport and Isaku Endo, Senior Financial Sector Specialist, provided review inputs. The authors would like to recognize the Central Bank of Eswatini for championing this agenda, facilitating theassessment, and providing input on the draft report. Thanks are due, in particular, to Felicia Dlamini-Kunene,Deputy Governor; Beverly Mavuso, Director, Financial Regulation; Zandile Mabundza, Deputy Director, FinancialSurveillance; Gama Sabelo, Deputy Director, Payment Systems; and Shongwe Fikile, Lead Specialist, PaymentSystem Oversight. The authors express their gratitude to the public and private sector stakeholders consulted for their cooperationand engagement during the assessment mission and the validation workshop. The list of entities consultedduring the assessment mission is included in Annex 1. Finally, this assessment could not have been undertaken and the report produced without the support of theEuropean Union. The authors would like to acknowledge the support provided by Luis Miguel Pascoal, ProgrammeOfficer, Private Sector Development, Business Climate, Sustainable and Inclusive Growth, Delegation of theEuropean Union to the Kingdom of Eswatini. Acronyms and Abbreviations NBFInon-bank financial institutionNPSNational Payments SystemP2Bperson to businessP2Pperson to personPINpersonal identification numberPOSpoint of salePSPpayment service providerQR Codequick response codeRPWRemittance Prices WorldwideRPArole of public authoritiesRRSPro