SOTIR 2025全球深潜和区域削减
Global Deep Dive Mobile money around the world in 2024 +$720 billionMobile money's estimated contribution to GDP by 2023 Mobile money registered accountssurpassed two billion in 2024 2.1 billion total registered accounts globally newregistered accountsin 2024 222million Sub-Saharan Africa andEast Asia and the Pacificcontributed 222m newregistered accounts East-Africa drove monthly active usergrowth in 2024… 514million 52mnew activeaccounts globallyin 2024 Accounts active on amonthly basis 11% of new active30-day accountswere from■East Africa ↑Year-on-yeargrowth …and led the expansion of active mobilemoney agents too Proportion of new active agents by sub-region in 2024 Registered agents Active on amonthly basis 10.1millionActive agents↑17% increase ↑Year-on-yeargrowth The value of daily mobile money transactionsdoubled in the past five years $1.7trillionTransacted in 2024 ↑Year-on-yeargrowth Digital transactions have grown faster thancash-based transactions since 2019 The transaction value sharesof■merchant paymentsand■P2P transfersincreasedthe most since 2019. While the value shares of■■cash-based transactionsdropped the most since 2019. Third-party partnerships drive mobilemoney transaction growth On average, providers are integrated with: 202organisations forbulk disbursements 155billers, of which… 174,000active merchants ■62%of surveyparticipants publishedmobile money APIs Bulk disbursements conveniently deliversalaries to millions of people every year Bulkdisbursements 2.1 million 89% people received their salary throughbulk payments in June 2024 of respondents offer bulkdisbursements ↑Year-on-yearvolume growth The volume of cashless purchasesgrew by a fifth Merchantpayments 735k $8.7billionprocessed per month Average number of uniquecustomer accounts perdeployment that performedmerchant paymentsin June 2024 ↑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 ↑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 34% 44% 34% of respondents offer asavingsproduct 44% of respondents offer acreditproduct38%partner with a bank or anotherfinancial institution 28% of respondents offer aninsuranceproduct 659,000Average number of unique customerstransferring funds to savings accounts inJune 2024 26%partner with a fintech 3Average number of credit productsoffered by respondents ↑Growth sinceSeptember 2023 27% 10% Current regulatory challenges Regulatory environment areas that have become more or less enabling formobile money in respondents’ countriesPercentage of respondents Fraud Fraud can erode customer trust,impacting mobile money use andfinancial inclusion for vulnerable usersdata transfersOther(s) Most impactful fraud typesfor customersPercentage of respondents Around■halfof surveyrespondents report thatlicensing,consumerprotection,KYCandagent networkregulations havebecome more enablingfor mobile money. While registered mobile money accounts havereached two billion, a significant gender gap persists Mobile moneyawareness Mobile moneyaccount ownership Mobile money usage A significant gender gap for 30-day activitypersists in The gender gap in especially wide in: Large awareness gender gaps exist in: PakistanBangladesh A sizeable gender gap was also observed in: EthiopiaNigeria Mobile money awareness is particularly low forboth men and women in where the gap widened compared to 2023. IndiaIndonesia Mobile money revenues grew much faster inEast Asia and the Pacific than in other regions Average percentage change in monthly mobile money revenue per deploymentBy region, September 2023June 2024 Download the report gsma.com/sotir #SOTIR2025 Subscribe to theMobile Moneynewsletter: The Mobile Money programme is supported by
