PYMNTS Intelligence：2025全球资金流动：数字钱包如何重塑跨境支付格局研究报告（英文版）（40页）.pdf

1、January 2025 ReportGlobal Money Movement:How Digital Wallets Are Transforming Cross-Border PaymentsGlobal Money Movement:How Digital Wallets Are Transforming Cross-Border Payments was produced in collaboration with TerraPay,and PYMNTS Intelligence is grateful for the companys support and insight.PYM

2、NTS Intelligence retains full editorial control over the following findings,methodology and data analysis.Global Money Movement:How Digital Wallets Are Transforming Cross-Border PaymentsTABLE OF CONTENTSExecutive Summary .4The Full Story.10Actionable Insights.48Methodology.52Appendix.54About .784|Gl

3、obal Money Movement:How Digital Wallets Are Transforming Cross-Border PaymentsExecutive Summary|5 2025 PYMNTS All Rights ReservedGlobal remittances accounted for$794 billion in cross-border flows in 2023.Among both consumers and businesses,the value of cross-border payments grows by billions of doll

4、ars each year for a funda-mental reason:Money travels to where people and businesses are,including when critical business partners or family members reside in other nations.1,2Over the last several decades,cross-border money movement innovators have prioritized making cash payments digital and cre-a

5、ting domestic digital wallets that serve as banking alternatives for the hundreds of millions of consumers who lack a traditional bank account.As important as those innovations are for bringing consumers into the digital economy in their domestic markets,it has resulted in a fragmented network of wa

6、llets and accounts 1 Animated chart:Remittance flows and GDP impact by country.World Economic Forum.2023.https:/www.weforum.org/stories/2023/01/chart-remittance-flows-impact-gdp-country/.Accessed January 2025.2 Value of total cross-border payments market worldwide in 2023,with a forecast for 2030.St