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【英語タイトル】SOUTH AFRICA DOMESTIC AND INTERNATIONAL REMITTANCE MARKET OUTLOOK TO 2023 - BY CHANNELS USED (BANKING CHANNELS, RETAILERS, ADLAS & MTOS AND OTHERS), REMITTANCE CORRIDORS (INBOUND-OUTBOUND AND RURAL-URBAN)

Ken Researchが出版した調査資料(KEN9P005)・商品コード:KEN9P005
・発行会社(調査会社):Ken Research
・発行日:2019年4月
・ページ数:170
・レポート言語:英語
・レポート形式:PDF
・納品方法:Eメール
・調査対象地域:南アフリカ
・産業分野:産業未分類
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【レポートの概要】

The report titled “South Africa Domestic and International Remittance Market Outlook to 2023 – By Channels Used (Banking Channels, Retailers, ADLAs & MTOs and Others), Remittance Corridors (Inbound-Outbound and Rural-Urban)” provides a comprehensive analysis of South Africa’s Remittance Market including market evolution, overview, genesis, market size and market segmentation. Extensive focus has been placed in quantifying the transaction value and volume over the period, 2013-2023. The report covers aspects such as market segmentation (by channels used, by corridors and by income level) and an extensive snapshot on the bill payment market in South Africa. The report has covered the international and domestic space exclusively focusing on over the year’s computation & interpretation of change in volume, value and average ticket size of transactions in the country. Income earned & change in commission charged has been scrutinized well followed by explicit analyst explanations. Competitive landscape of major players including ABSA Bank, Capitec Bank, Bidvest Bank, Standard Bank, Western Union, MoneyGram, Hello Paisa, Mama Money, Mukuru, Shoprite, SPAR, PEP Stores and Pick n Pay have been covered including company overview, major business strategies, USP, distribution network, remittance services offered, financials and various other parameters. The report also covers future industry analysis (by value, volume and average transaction size), future market segmentation, SWOT analysis, growth opportunities, upcoming trends & analyst recommendations. The report is useful for existing remittance companies, potential entrants, investors and other stakeholders to align their market centric strategies according to ongoing and expected trends in the future.

Market Overview (Current and Future): South Africa domestic and international remittance market is concentrated and in the growth stage. The market includes both formal and informal payment service providers including banks, money transfer operators, ADLAs, retailers and mobile wallets. Prominent business strategies adopted by major players to position themselves in the market include forming an extensive network & improved reach, new services launched & service innovation and better pricing & handy/transparent operations offered. The market has been fuelled by increased migration, rising government support for new competitors, declining fee charges and increased awareness towards digitalized remittance services.

South Africa International Remittance Market

Market Size: South Africa international remittance market recorded a CAGR of close to -1% in terms of average transaction size and close to -2% in terms of volume & value of transaction during 2013-2018. The market showcased a slow & negative growth owing to low purchasing power & high cost associated with remitting money in both inbound & outbound space. Outbound remittance has captured close to half of the market size by value in 2018 declining consistently since 2013.
By Channel: International remittance market was led by banks and MTOs & ADLAs showcasing a CAGR close to -7% and 10% respectively during 2013-2018. ADLAs penetrated the market in 2015 and have been rising ever since. Retailers experienced a CAGR close to -5% in terms of value while the other players including post offices and hawalas experienced a single digit negative CAGR during 2013-2018 losing their share to other more organized players.
By Corridors: Inbound remittance flow corridors are dominated by United Kingdom followed by New Zealand, Australia and Angola respectively. Other countries namely, Canada, United States and Botswana witnessed exhibiting small share close to 15%. Owing to its proximity and availability of numerous job opportunities, United Kingdom has been the market leader magnetized by majority of emigrants. Outbound flow corridors, on the other hand, are dominated by Zimbabwe followed by Lesotho and Mozambique respectively. The outbound corridors consist of the SADC countries bordering South Africa wherein foreigners tend to move to a more established country with more stable Economy.

Competition Stage and Positioning: The international market is moderately concentrated with majority of the market being captured by MTOs & ADLAs and banks in 2018. There are 4 major banks namely ABSA Bank, Capitec Bank, Standard Bank and Bidvest Bank which have been active in the space. 2 major MTOs include Western Union and MoneyGram while major 4 ADLAs include Hello Paisa, Mama Money, Mukuru and Exchange4Free. Major 4 retailers include Shoprite, PEP Stores, Pick n Pay and SPAR. Major competing parameters include fees charged, time taken for the transaction, services offered, reach of the service providers, trust value attached, technological advancements, promotional offers and transparency in costs. The market has become highly competitive in terms of the fee charged after the penetration of the ADLAs offering low fees to the customer’s thereby increasing competition.
Future Projections: The market is expected to showcase a CAGR close to 6% and -4% by value and volume of transactions during 2018-2023. In terms of average transaction size the market is expected to register a CAGR close to 3% during the same.

South Africa Domestic Remittance Market

Market Size: South Africa domestic remittance market recorded a CAGR of close to 3% in terms of average transaction size and close to 6% & 3% in terms of transaction value and volume during 2013-2018 respectively. The market showcased a positive growth with the entry of ADLAs & with the rise in government initiatives to push the market forward. Players witnessed rising profits owing to increase in the commission charged year-on-year averaging a CAGR of close to 15% during the review period. This thus, accelerated the income earned by the players at a CAGR of more than 20% during the review period.

By Channel: Domestic remittance market was led by banks with highest market share showcasing a CAGR close to 15% during 2016-2018. Retailers followed by Mobile wallet companies acquired the second and third highest share in the base year. MTOs witnessed strong growth during 2013-2018 by value of transactions. Other players including post offices and hawalas experienced a decline in popularity with the coming up of other organized gateways.
By Corridors: Highest amount of money has been remitted between urban to rural in 2018. This has been followed by Urban to urban channel with Rural to Urban having a minor share.

Competition Stage and Positioning: The domestic market is highly concentrated by number of remittance transactions with majority share being captured by Capitec Bank, First National Bank, ABSA Bank, Bidvest and Mukuru in 2018 in terms of value of transactions.
The market is expected to showcase a CAGR close to 12% and 7% by value and volume of transactions during 2018-2023.

Key Segments Covered in South Africa International Remittance Market
By International Inbound Remittance Flow Corridor (Value of Transactions)
By Channels used (Value of Transactions)
Banking channels
ADLAs & MTOs
Retailers
Others
United Kingdom
New Zealand
Australia
Angola
Others
By International Outbound Remittance Flow Corridor (Value of Transactions)
Zimbabwe
Lesotho
Mozambique:
Others
By Work Profile (Value of Transactions)
Key Segments Covered in South Africa Domestic Remittance Market
By Channels used (Value of Transactions)
Banking channels,
ADLAs & MTOs
Retailers
Others
By Domestic Remittance Flow Corridor (Value of Transactions)
Urban to Rural
Urban to Urban
Rural to Urban
By Work Profile (Value of Transactions)

Key Target Audience
Banks
Money Transfer Operators
ADLAs
M-Wallet Companies
Hawalas
Convenience and Retail Stores
Supermarket Chains
South Africa Reserve Bank
Bills and Payments Companies
Investors & Venture Capital Firms

Time Period Captured in the Report:
2013-2018 – Historical Period
2019-2023 – Future Forecast

Companies Covered: ABSA Bank Limited, Albaraka Bank Limited, Bidvest Bank Limited, BNP Paribas SA – South Africa Branch, Capitec Bank Limited, China Construction Bank-Johannesburg Branch, Citibank-South Africa, Deutsche Bank AG-Johannesburg Branch, FirstRand Bank Limited, Habib Overseas Bank Limited, HBZ Bank Limited, HSBC Bank PLC–Johannesburg Branch, Investec Bank Limited, JPMorgan Chase Bank-Johannesburg Branch, Mercantile Bank Limited, Nedbank Limited, Sasfin Bank Limited, Société Générale, Standard Chartered Bank–Johannesburg Branch, State Bank of India, The South African Bank of Athens Limited, The Standard Bank of South Africa Limited, First National Bank, Bank of Baroda, Bank of India, Bank of China, Bank of Taiwan, Western Union , Money Gram, Hello Paisa, Mama Money, Mukuru, Exchange4Free, Imali Express (Pty), Ace Currency Exchange (Pty), Forex World (Pty) Limited, Global Foreign Exchange (Pty) Limited, Inter Africa Bureau de Change (Pty) Limited, Interchange RSA (Pty) Limited, Master Currency (Pty) Limited, Sikhona Forex (Pty) Limited, Tourvest Financial Services (Pty) Limited, American Express Foreign Exchange Services, Tower Bureau de Change (Pty) Limited, Travelex Africa Foreign Exchange (Pty) Limited, Southeast Exchange Company (South Africa), Terra Payment Services South Africa (RF) (Pty), WorldRemit South Africa (Pty) Limited, Shoprite, Pep Stores, Pick n Pay, Checkers, Spar, Ackermans and Boxers.

Key Topics Covered in the Report
Market Ecosystem and Value Chain
Market Size on the Basis of Transaction Value, 2013–2018
Market Size on the Basis of Transaction Volume, 2013-2018
Market Size on the Basis of Average Transaction Size, 2013-2018
Market Trends, Growth Drivers & Challenges
Market Segmentation by Channels Used (Value of Transactions)
Market Segmentation by Corridors (Value of Transactions)
Market Segmentation by Income Level (Value of Transactions)
Government Regulations
Migration Scenario
Strengths and Weaknesses of Major Players
Company Profiling
Snapshot on Bill Payment Market
Future Outlook and Projections
Growth Opportunities
Future Market Segmentation
SWOT Analysis
Analyst Recommendations

【レポートの目次】

1. Executive Summary

1.1. South Africa Domestic and International Remittance Market Size, 2013-2018
1.2. South Africa Domestic and International Remittance Market Segmentation by Channels, by flow corridors and occupational structure
1.3. South Africa Domestic and International Remittance Competition Analysis (Nature of market, number of players and competition parameters)
1.4. South Africa Domestic and International Future Market Analysis and Projections along with market segmentations

2. Research Methodology

2.1. Market Definitions
2.2. Abbreviations Used
2.3. Market Size and Modeling

Market Sizing Approach – Doemstic and International Market
Market Sizing Limitations
Variables (Dependent and Independent) Used for regression analysis
Multi Factor Based Sensitivity Model
Regression Matrix
Final Conclusion

3. South Africa Remittance Market Overview (Market stage, player composition, over the year’s developments, remittance requirements, customer type & others)

3.1. Domestic Remittance Market
3.2. International Remittance Market
3.3. Migration Patterns

4. South Africa Remittance Market Evolution-Over the years changes in Demand & Supply Side of the market

4.1. Traditional Means For Money Transfers
4.2. New Technologies in Remittances
4.3. Recent Developments

5. South Africa Remittance Ecosystem-Entity types, name of players, market positioning strategies and number, 2018

6. Value Chain Analysis (Entities Inter-relationship, Commission Charged and Working Process Flow chart)

7. Operating Models (Business Operation including compliance requirements, types of customers served, general operations)

7.1. Authorized Dealers with Limited Authority (ADLA)
7.2. Money Transfer Operator (MTO)
7.3. Banks
7.4. Retailers

8. South Africa International Remittance Market, 2013-2023E

8.1. Remittance Transaction Value, Average Transaction Size and Volume of Transaction, 2013-2018

Inbound and Outbound Remittance Transaction Value, Volume and Average Transaction Size, 2013-2018
Market Growth Drivers & Challenges

8.2. South Africa International Remittance Market Segmentation (By Transaction Value), 2013-2018

By Banking channels, ADLAs & MTOs, Retailers and Others
By Outbound Corridors (Zimbabwe, Lesotho, Mozambique, Others)
Inbound Corridors (United Kingdom, New Zealand, Australia, Others)
Working Profile

8.3. Future Market Analysis-Remittance Transaction Value, Average Transaction Size and Volume of Transaction, 2019E-2023E

Inbound and Outbound Remittance Transaction Value, Volume and Average Transaction Size, 2019E-2023E

9. South Africa Domestic Remittance Market, 2013-2023E

9.1. Remittance Transaction Value, Average Transaction Size, Volume of Transaction, Commission Charged and Income Earned, 2013-2018
9.2. Market Growth Drivers & Challenges
9.3. South Africa Domestic Remittance Market Segmentation (By Transaction Value), 2013-2018

By Banking channels, ADLAs & MTOs, Retailers and Others
By Corridors (Urban to Rural, Urban to Urban, Rural to Urban)
Working Profile

9.4. South Africa Domestic Remittance Future Outlook, 2019E-2023E

Remittance Transaction Value, Average Transaction Size, Volume of Transaction, Commission Charged and Income Earned, 2019E-2023E
Future Macroeconomic Factors Affecting Market Size

9.5. Future Market Segmentation by Value of Transactions, 2023E

By Banking channels, ADLAs & MTOs, Retailers and Others
By Corridors (Urban to Rural, Urban to Urban, Rural to Urban)
Working Profile

10. Government Regulations

10.1. Role & Authority of South Africa Reserve Bank
10.2. Exchange Control

Reporting System
Authorized Dealers
Authorized Dealers With Limited Authority (ADLA)
Duties and Responsibilities of Authorized Dealers and AUthorised Dealers with Limited Authority
Income Transfers
Personal transfers by foreign nationals and immigrants
Operational Conditions Applicable to Conducting the Business of an Authorised Dealer in Foreign Exchange with Limited Authority

10.3. Anti Money Laundering (AML)

Customer Due Diligence (CDD)
Monitoring Requirements
Intermediaries And Correspondent Banking

10.4. Immigration Regulation
10.5. Issues in the Process of Documentation

11. Snapshot on South Africa Bill Payment Market

11.1. Market Ecosystem-Entity types and name of players, 2018
11.2. Market Overview-Growth Drivers and Market Challenges
11.3. Key Market statistics- Market Settlement Values, Market Split of Settlement Values, Channels for Retail Transactions), 2013-2017
11.4. Government Regulations (PASA & other Regulatory Acts)
11.5. Major Players (PayGate, PayPal, Masterpass, PayVault, My Gate, PayFast)
11.6. Analyst Recommendations for players Bill Payment Market

12. Customer Profiling (Decision Making Parameters, Impact on customers, Customer Description Flow Chart, Age Group, Technological Skeptic, Working Occupations, Channels Preferred and Decision Sensitivity)

13. Competitive Landscape of Major Players in South Africa Remittance Market

13.1. Competition Scenario (Nature, Major Players, Competition Parameters, Product Innovations & Market Positioning)
13.2. Market Share of Major Players by Transaction Value

International Remittance, 2018
Domestic Remittance, 2018

13.3. Strengths and Weaknesses of Major Players (ABSA Bank, Standard Bank, Capitec Bank, Bidvest Bank, Hello Paisa, Mama Money, Mukuru, Exchange4Free, Shoprite, PEP Stores, Pick n Pay, SPAR, Western Union and MoneyGram)

14. Industry SWOT Analysis

15. Company Profiling Of Major Players (Company Overview, Company Management, Remittance Services Offered, Business Strategy, Modes of Remittance
Fund Transfer Charges and Limits, Key Performance Indicators-Fee and Commission Income, Fee and Commission Expense, Net Fee and Commission Income, Regional Outreach & Others)

Banks

15.1. ABSA Bank Limited
15.2. Standard Bank
15.3. Bidvest Bank (BVBL)
15.4. Capitec Bank

Retailers

15.5. Shoprite
15.6. PEP Stores
15.7. Pick n Pay
15.8. SPAR

Money Transfer operators (MTOs)

15.9. Western Union
15.10. Money Gram

Authorized Dealers With Limited Autority (ADLA)

15.11. Hello Paisa
15.12. Mama Money
15.13. Mukuru
15.14. Exchange4Free

16. Industry Analyst Recommendations
Disclaimer
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