2025年移动支付行业现状报告

TheStateoftheIndustryReportonMobileMoney2025 TheGSMAisaglobalorganisationunifyingthemobileecosystemtodiscover,developanddeliverinnovationfoundationaltopositivebusinessenvironmentsandsocietalchange.Ourvisionistounlockthefullpowerofconnectivitysothatpeople,industryandsocietythrive. Representingmobileoperatorsandorganisationsacrossthemobileecosystemandadjacentindustries,theGSMAdeliversforitsmembersacrossthreebroadpillars:ConnectivityforGood,IndustryServicesandSolutionsandOutreach.Thisactivityincludesadvancingpolicy,tacklingtoday’sbiggestsocietalchallenges,underpinningthetechnologyandinteroperabilitythatmakemobileworkandprovidingtheworld’slargestplatformtoconvenethemobileecosystemattheMWCandM360seriesofevents. Weinviteyoutofindoutmoreatwww.gsma.comFollowtheGSMAonX:@GSMA TheGSMAMobileMoneyprogrammeworkstoacceleratethedevelopmentofthemobilemoneyecosystemfortheunderserved. Formoreinformation,pleasecontactus:Web:www.gsma.com/mobilemoneyEmail:mobilemoney@gsma.com LinkedIn:GSMA–MobileforDevelopment TheMobileMoneyprogrammeissupportedbytheGatesFoundation. Authors TheStateoftheIndustryReportonMobileMoney2025wasauthoredbyRishiRaithathaandGianlucaStorchifromtheGSMAMobileMoneyprogramme’sData&Insightsteam. Externalcontributors VibhorJain(independentconsultant),AraméAwanis(independentconsultant)andLeoraKlapper(WorldBank). Formoreofourresources,visitgsma.com/sotir Acknowledgements Theauthorsaregratefultothefollowingcolleaguesforpeerreviewsandinput:AshleyOlsonOnyango,AnnaColquhoun,GeorgeBauer,KennedyKipkemboiSawe,LisaChassin,MaxCuvellierGiacomelli,NadiaJeffrieandZachWhite. MarketingsupportwasprovidedbyJoyceKong. TheStateoftheIndustryReportonMobileMoney2025isbasedondatacollectedfromtheGlobalAdoptionSurvey2024andthe2024GSMAConsumerSurvey. ©2025–GSMA DirectorGeneral’sForeword Overthepasttwodecades,mobilemoneyhasevolvedfromatoolforfinancialinclusionintoathrivingindustrywithvastbusinesspotential. Nolongerjustameanstostoreandremotelyaccessfunds,itnow representsadynamicmarketpoisedforsignificantgrowthinthe yearsahead. Lastyear,theindustrycelebrateddoubledigitgrowthtoreachoverhalfabillionmonthlyactiveusersand2billiontotalregisteredaccounts. Alongsidethisalmost$1.7trillionflowedthroughmobilemoneyaccounts,equivalentto$3.2millionworthoftransactionsperminute.Andattheendof2023,thetotalGDPofcountrieswithmobilemoneyserviceswas$720billionhigherthanitwouldhavebeenwithoutmobilemoney. Thesenumbersareaclearindicationofthegrowthandmomentumshiftwehaveseenacrosstheindustryoverthepastfewyearsaswellastherelevanceofmobilemoneyforeconomicdevelopment. Today,Sub-SaharanAfricaremainstheepicentreofmobilemoney,accountingforover1.1billionregisteredaccounts.However,EastAsiaandthe PacificandtheMiddleEastandNorthAfricawillbeinterestingregionstowatchmovingforward.Lastyear,bothregionssawconsiderablegrowthinthenumberofmobilemoneyaccounts,activeusersandtransactionvolumes. Asmobilemoneycontinuestodrivefinancialinclusion,itisalsounlockingnewopportunitiesforpeopletosave,earn,andspend–solidifyingitsplaceasatruefintechsuccessstory. Today,themostsuccessfuloperatorsareexpandingtheirservices,enablingmorepeoplethanever toaccesscredit,savingsaccounts,andmobile-enabledinsuranceproducts.Beyondenhancinguserengagement,theseserviceshelpbridgetheusagegapbyincreasingaccesstorelevantdigitalcontentandfinancialtools. Aswecontinueourworktoclosetheusagegapanddrivedigitalandfinancialinclusion,itishugelyencouragingthatalmost60%ofmobilemoneyprovidershaveintroduceddigitalskillsinitiatives.Theseeffortsnotonlyboostfinancialawarenessandcombatfraud,theyalsohelptobreakdownthebarriersthatpreventmillions–especiallywomen–fromfullybenefittingfrommobilemoneyservices. Lookingtothefuture,itisimportanttorememberthatoursuccesstodatehasnotbeenachieved inisolation.Mobilemoneyexistsaspartofanecosystem.Aswemoveforward,partnershipsbetweenmobilenetworkoperators,banks,technologypartnersandotherserviceproviders,willbekeytobringinginnovativenewservicestousers. Asyoureadthisreport,Itrustyouwillbeencouragedbythegrowthoftheindustrysofarandinspiredbytheincrediblepotentialthatitholds.Lookingahead,Ibelievewearewell-positionedforthenextwaveofexpansion,wheremobilemoneyemergesasthepreferredpaymentservice,drivingbusinessgrowth,strengtheningeconomies,andshapingabetterfutureforall. VivekBadrinath DirectorGeneral,GSMA 03/98 TheStateoftheIndustryReportonMobileMoney(SOTIR)2025marks13consecutiveyearsoftheGSMAreportingontheprogressofmobilemoney.Forseveralyears,wehaveanalysedgrowthalongapatternofthemes:accounts,agents,services,usecasesandrevenue.Variationsofthisorderovertime haveallowedtheteambehindSOTIRtoadopta“matured”approachtoshowcasingprogress.Withanestablishedspine,thereismoreroomtoexploreanduncoverdifferentmobilemoneygrowthstoriesfromvariousmarkets. Editorial Lastyear’sreportincludedasnapshotofmobilemoney’seconomicrelevance.Spurredbypositiveindustryfeedback,weupdatedourdataontheimpactofmobilemoneyongrossdomesticproduct(GDP).WithahealthyresponsetoourGlobalAdoptionSurveysforMobileMoneyin2023and2024,wecannowpinpointhow