出版：Juniper Research（ジュニパーリサーチ）　出版年月：2023年 5月

Mobile Money in Emerging Markets: Trends, Strategies and Market Forecasts 2023-2027
新興市場におけるモバイルマネー：動向、戦略、市場予測　2023-2027年

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Juniper Research（ジュニパーリサーチ）「新興市場におけるモバイルマネー：動向、戦略、市場予測　2023-2027年 – Mobile Money in Emerging Markets: Trends, Strategies and Market Forecasts 2023-2027」は 市場を調査し、詳細な分析・予測結果を提供しています。

Report Overview

Juniper Research’s Mobile Money in Emerging Markets research report provides a detailed assessment of how mobile money is boosting financial inclusion in emerging markets. It is split over 4 key regions: Africa & Middle East, Indian Subcontinent, Latin America and Rest of Asia Pacific.

The report provides a SWOT (Strengths, Weaknesses, Opportunities and Threats) analysis, alongside a comprehensive future market outlook for the four biggest segments within the mobile money market. The forecasts and the SWOT analysis in the report focus on the following segments:

• Microinsurance
• Microloans
• Microsavings
• Money Transfer

In addition, this report covers market opportunities; providing strategic insights into the development of new technologies and key drivers. The report also positions 22 vendors across two of our Juniper Research Competitor Leaderboards; focusing on mobile money and sophisticated MFS. This provides an invaluable resource for a broad range of stakeholders, including financial institutions and mobile money providers seeking to understand the competitive landscape in the market. The study also features strategic analysis of 9 mobile financial services platform providers in the space, including Amdocs, Comviva, Ericsson, Huawei, Inswitch, Panamax, Seamless Distribution Systems, Telepin and Tmob.

The research suite also contains a detailed dataset; providing forecasts for 15 countries across a wide range of different metrics, including the number of users of mobile financial services, total number of financial transactions, including cash in, cash out, domestic P2P, internal P2P, G2P bulk disbursement, merchant payments, bill payments and airtime top-ups. It also looks into sophisticated MFS, mobile microloans, microsavings and microinsurance, and the total value of the transactions.
This research suite comprises of:

• Market Trends & Strategies (PDF)
• Competitor Leaderboard (PDF)
• Data & Forecasts (PDF & Excel)
• 12 Months’ Access to harvest Online Data Platform

KEY FEATURES

• Market SWOT Analysis: Extensive assessment of the main use cases for mobile money adoption, including the current viability of mobile money markets, challenges to future growth, and future outlook. This analysis includes four main areas:
  • Microinsurance
  • Microloans
  • Microsavings
  • Mobile Money Transfer
• Market Dynamics: Detailed analysis of the future evolution of the market and the challenges to further market growth.
• Juniper Research Competitor Leaderboards: Key player capability and capacity assessment for 23 vendors, split across two Competitor Leaderboards, for mobile money services and sophisticated mobile financial services. The vendors included are as follows:
  • Airtel
  • BIMA
  • bKash
  • Easypaisa
  • EcoCash
  • Equitel Money
  • eZ Cash
  • Grameenphone
  • LinkAja
  • MicroEnsure
  • Mon Cash
  • M-PESA
  • MTN Mobile Money
  • Ooredoo
  • Orange Money
  • Robi
  • Roshan M-Paisa
  • Smart Padala
  • Tigo
  • Tingg
  • Transfer/Telcel
  • uPaisa
  • Wave Money
• Benchmark Industry Forecasts: Forecasts for mobile money services, including microinsurance, microloans, microsavings and mobile money transfer, with data for user bases and transaction values, along with splits by our four key emerging market regions and the 15 countries listed below:
  • Bangladesh
  • Brazil
  • Colombia
  • Egypt
  • India
  • Indonesia
  • Kenya
  • Mexico
  • Nigeria
  • Pakistan
  • Philippines
  • South Africa
  • Sri Lanka
  • Tanzania
  • Thailand

KEY QUESTIONS ANSWERED

1. What will the mobile money market size in emerging markets be in 2027?
2. What role does Payment-as-a-Platform have in driving mobile money forward?
3. Who are the leading vendors in the mobile money market?
4. What strategies can players implement to capitalise on the growing mobile money ecosystem?
5. What monetisation strategies will be most successful for mobile money providers over the next 4 years?

DATA & INTERACTIVE FORECAST

The forecast contains a strong set of data points, covering the key areas within mobile financial services in developing economies. These include the following:

• 4 Key Sectors (Microinsurance, Microloans, Microsavings, Mobile Money Transfer)
• 8 Transaction Types (Airtime Top-up, Bill Payment, Cash In, Cash Out, Domestic P2P, G2P, International P2P, Merchant Payment)
• Number of Users
• Value of Spend

Metrics include the total number of users, the number of transactions and total revenue.
Geographical splits: 15 countries
Number of tables: Over 76 tables
Number of datapoints: Over 10,000 datapoints

harvest: Our online data platform, harvest, contains the very latest market data and is updated throughout the year. This is a fully featured platform enabling clients to better understand key data trends and manipulate charts and tables; overlaying different forecasts within the one chart – using the comparison tool. Empower your business with our market intelligence centre, and receive alerts whenever your data is updated.

Interactive Excels (IFxl): Our IFxl tool enables clients to manipulate both forecast data and charts, within an Excel environment, to test their own assumptions using the interactive scenario tool and compare selected markets side by side in customised charts and tables. IFxls greatly increase a client’s ability to both understand a particular market and to integrate their own views into the mode.

レポート構成＆価格表

COMPANIES REFERENCED

Case Studied: Amdocs, Comviva, Ericsson, Huawei, inswitch, Panamax, SDS (Seamless Distribution Systems), Telepin, Tmob.

Included in the Juniper Research Competitor Leaderboard – Mobile Money Vendors:
Airtel Money, bKash, Easypaisa, EcoCash, Equitel Money, eZ Cash, LinkAja, Mon Cash, M-PESA, MTN Mobile Money, Orange Money, Smart Padala, Tigo, Transfer/Telcel, uPaisa, Wave Money.

Included in the Juniper Research Competitor Leaderboard – Sophisticated Mobile Financial Services: Airtel, BIMA, bKash, Easypaisa, EcoCash, Grameenphone, MIC Global, M-PESA, MTN Mobile Money, Ooredoo, Orange Money, RobiCash, Roshan M-Paisa, Tigo, Tingg.

Mentioned: ABInBev, ABSA Bank, ACI Worldwide, Africell, Agricultural Bank of China, Airbnb, Alibaba, Alipay, Aliv Bahamas, Amazon, América Móvil, American Express, Anadolu Jet, Ant Group, Antel, Apple, AsiaHawala, AT&T, AXA, Banamex, Banco Inbursa, Bank Hapoalim, Bank of Africa, Bank of Bangladesh, Bank of Georgia, Banpro, BBOXX, Bein, Bill and Melinda Gates Foundation, Binance, BNP Paribas, Bolttech, Booking.com, BRAC Bank, BRI Ventures, BT, BTC SMEGA, CarrefourSA, China Telecom, Cisco, CSG, Digicel, Dinex, Djibouti Telecom, DSTV, EB Solutions Limited, Eazzybanking, Ecobank, Equity Bank, Ericsson, eServGlobal, Esri, eswatini Mobile, EzyPesa, FamilyBank, FirstBank, FLOvate Solutions, Flutterwave, Garanti BBVA, Globacom Ltd, Gojek, Google, GPAY, Grab, GT&T MMG, Halkbank, Halopesa, iGrow, Imalipay, Intel, Inwi Money, JCB, Jumia, KBZPay, Kenya Airways, KFC, KrosPayz, Lloyd’s, Logiq, Mandiri Capital, Masoko, Mastercard, McDonald’s, MediaTek, Meezan Bank, Meta, Metro PCS, MicroEnsure, Microsoft, Money Gram, Money in Motion LLC, Money Q, MoneyGram, Movil Red, mowico, Mukuru, MuRong Technologies, Musoni MFI, Nagad, NCBA, NEC, Netflix, Netweller, Niger Telecoms, NSSF, One Acre Fund, Openet, Oracle, Payoneer, PayPal, Pertamina, Pesalink, Pragati Life, QNB Finansbank, Qualcomm, RBI (Reserve Bank of India), Remitly, Reserve Bank of Zimbabwe, Riaktr, Rocket Internet, Safaricom, Sampath Bank, Samsung, Sberbank, Sendwave, Shell, Simbisa Group, Singapore Airlines, Singtel, Skrill, SMARTCASH Payment Service Bank Limited, Smatoo, SoftBank, Sogebank, Sonatel, Sourced Group, Spectra Technologies, Squire Technologies, Standard Chartered Bank, Strands, Strex, Sudatel, SunExpress, Tameer Bank, Tele2, Telenor Pakistan, Telkom, Telkomsel, Telpo, Temenos, Teralight, TerraPay, Thales, TMCEL, T-Mobile, TN Bank, Total, TPesa, Trendyol, Trust Bank, Turkish Airlines, UBA, Uber, unibank, UnionDigitalBank, Valyou, Verizon, Viber, Visa, VisionFund, Vive, Vodafone, Waada Digital, Walmart, WeChat, Western Union, World Remit, Xoom, YABX, Yabx, Yoma Bank.

[プレスリリース]

MOBILE MONEY TRANSACTIONS TO EXCEED $2 TRILLION IN EMERGING MARKETS FOR THE FIRST TIME BY 2027

Hampshire, UK – 15th May 2023: A new study from Juniper Research, the foremost experts in the payments market, found that the total value of mobile money transactions in emerging markets will reach $2 trillion by 2027, an increase of over $500 billion from 2023.

Growing at 33%, the market is being driven by the transition to PaaP (Payments-as-a-Platform), a model which allows third parties to deliver products via mobile money apps. The research identified PaaP as driving mobile money development, as it enables third parties to have more access to users, without mobile money operators having to develop additional services themselves. This also enables greater revenue for mobile money operators, whilst allowing them to meet increasingly sophisticated user demands.

Maturity of Mobile Money Markets Leading to Increased Sophisticated MFS Usage

The research predicted that by 2027, there will be 411 million users of sophisticated MFS (Mobile Financial Services) within emerging markets. This 40% increase is a result of providers offering a variety of services, such as microloans and microinsurance, to satisfy growing user demand. The rising maturity of several mobile money markets, growing customer awareness and affluence of users has increased the importance of mobile money vendors providing sophisticated MFS; investing in technologies that facilitate it.

Research co-author Cara Malone remarked: “Vendors must implement sophisticated MFS in an effective way, or they will lose ground to rising competition. This can be best achieved through new approaches, such as leveraging existing data that operators hold to enable alternative credit scoring, allowing much greater lending opportunities.”

Customer Support Is Crucial as Service Evolves to Sophisticated MFS

The report urged mobile money vendors to leverage data analytics to best retain customers and fight off rising competition. By gaining valuable insight into consumer behaviour and preferences, vendors can provide better-tailored services to end users. Combining this data with new third-party services via PaaP enables a more personalised service; increasing customer satisfaction and revenue.

Juniper Research provides research and analytical services to the global hi-tech communications sector; providing consultancy, analyst reports, and industry commentary.

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Mobile Money in Emerging Markets

1.Key Takeaways & Strategic Recommendations
2.Current Status and Future Market Outlook
3.Juniper Research Mobile Money Competitor Leaderboards
4.MFS Platform Case Studies
5.Market Forecast