2023年第三季度全球汇款成本（英）.docx

Issue47September2023ANANALYSISOFTRENDSINCOSTOFREMITTANCESERVICESREMITTANCEPRICESWORLDWIDEQUARTERLYThisReportreflectsthelatesttrendsobservedinthedatapublishedinSeptember2023.RemittancePricesWorldwideisavailableathttp:/remittanceprices.worldbank.org©TheWorldBankGroup,2023OverviewRemittancePricesWorldwide(RPW)monitorsremittancepricesacrossallgeographicregionsoftheworld.LaunchedinSeptember2008,RPWmonitorsthecostincurredbyremitterswhensendingmoneyalongmajorremittancecorridors.RPWisusedasareferenceformeasuringprogresstowardsglobalcostreductionobjectives,includingtheG20commitmenttoreducetheglobalaverageto3percent,whichisbeingpursuedinpartnershipwithgovernments,serviceproviders,andotherstakeholders.SinceQ22016,RPWcovers48remittancesendingcountriesand105receivingcountries,foratotalof367countrycorridorsworldwide.RPWtracksthecostofsendingremittancesforfourmainRSPtypes:Banks,MTOs,MobileOperators,andPostOffices.MTOsincludebothtraditionalprovidersandinnovative/fintechplayers.Onaverage,21.5servicespercorridoraretracked.ThisReportusesdatafromRPW,smostrecentreleasetoanalyzetheglobal,regional,andcountryspecifictrendsintheaveragecostofmigrantremittances.FXCIntelligenceprovidestheunderlyingdatausedintheRPW.Keyfindings TheGlobalAveragedecreasedfrom6.20percentinQ22023to6.18percentinQ32023. TheInternationalMTOIndexexperiencedadecreaseoverthequarterto6.29percentinQ32023,from6.46percentinQ22023. TheGlobalWeightedAverageincreasedto4.78percentinQ32023from4.53percentinQ22023. TheGlobalSmaRTAverageforQ32023wasrecordedat3.36percent(downfrom3.55percentinQ22023).Twenty-twocorridorsdidnothaveanySmaRTqualifyingservices. TheDigitalremittancesindexincreasedfrom4.60percentinQ22023to4.84percentinQ32023. TheDigital-onlyMTOindexexperiencedanincreaseto3.92percentinQ32023from3.61inQ2. SouthAsiaremainsthelowestcostreceivingregion,withanaveragecostof5.44percent.Sub-SaharanAfricaremainsthemostexpensiveregiontosendmoneyto,recordedat7.39percenttotalaveragecostinQ32023. Banksremainthemostexpensivetypeofserviceprovider,withanaveragecostof11.48percent. Theproportionofcorridorswithaveragecostsoflessthan5percenthasincreasedconsiderablysinceQ12009(from17percentto37percentinQ32023). InQ32023,mobilemoneyremainsthelowestcostinstrumenttooriginateremittancesandwasalsothelowestcostinstrumenttoreceiveremittances. DuetotheongoingRussia-Ukrainewar,RPWdidnotincludeanydataoncorridorsoriginatingintheRussianFederationinQ1andQ22022.InQ3-Q42022andQ1-Q32023,onlypubliclyavailableonlinedataoncorridorsoriginatinginRussiawerecollected,i.e.,mysteryshoppingordatacollectionviaAPIswerenotemployed.Duetothisdeviationindatacollectionmethodology,theseserviceswerenotincludedinthemainanalysisinQ32023(aswellasinQ3-Q42022andQ1-Q22023);instead,thedataarepresentedinAnnexV. InQ32023,elevenweremovedfromtheprospectsindextothemainanalysis,afterdemonstratingconsistency,materialityanddiversity.Inthesamequarter,thirty-fivenewserviceswereaddedtotheprospectsindex.RPWwillcontinuetomonitorandincludenewserviceswhenandwhererelevantusingtheprospectsindex.TableofContentsOverview3Keyfindings3Progresstracker6NumberofcorridorsintheQ22023dataset6Prospectsindex6Globaltrends7Globalaverageexperiencesadecrease7InternationalMTOIndex8Globalweightedaverage8SmartRemitterTarget(SmaRT)9Trendsincorridoraveragetotalcosts11G8andG20countries11CostofsendingremittancesfromG8countries11CostofsendingremittancesfromandtoG20countries12Regionaltrends14Coststructure15Cashvs.DigitalServices15CostsbyRSPType16CostsbySendingandReceivingMethod17Annex I -Tables($200)20Annex II -CostTrendsforSending$50022Globaltrendsforsending$50022Globalaveragetotalcost22InternationalMTOIndex23G20Countries23CostofsendingremittancesfromandtoG20countries23Annex III -Tables($500)26Annex IV -ProspectsIndex27Annex V -CorridorsfromRussia30ProgresstrackerRPWindicatorsareusedtomeasuretheprogresstowardstargetsofglobaleffortsforthereductionofremittancecosts.TheUNSDGsandtheG20haveindicatedatargetof3percentfortheGlobalAveragetobereachedby2030. The G8 (L,Aquila, 2010) and the G20 (Cannes, 2011 and Brisbane, 2014) committed to reduce the Global Average Total Cost to 5 percent. The G20 aligned with the UN's 2030 Agenda to include cost reduction targets set under SDG 10.c. In addition, through the G20 Roadmap for Enhancing Cross-Border Payments, the G20 reaffirmed SDG 10.c for remittance costs. World Bank,s Remittance Prices Worldwide database will be used to monitor several targets on remittances in the Roadmap, including those on cost, speed and transparency. See FSB (2021), Targets for addressing the four challenges of cross-border payments (https:/WWWfsb.or/WD-COntent/uDloadSP131021 -2.edf) and FSB (2022), Develop Payments Targets (https:WWW.fsb.org/ws-content/uploads/P171122.Ddf). Until now, RPW has been reporting on the G8G20 remittance target of 5%. In line with the G20 affirmation of the SDG 10.c rem