全球移动支付行业现状2023-英-84页.pdf

THESTATEOFTHEINDUSTRYREPORTONMOBILEMONEY2023THESTATEOFTHEINDUSTRYREPORTONMOBILEMONEY2023COPYRIGHT?2023GSMASSOCIATIONAuthorsTheStateoftheIndustryReportonMobileMoney2023waspreparedbytheGSMAMobileMoneyprogramme’sData&Insightsteam.TheteamwasledbyRishiRaithathaandcomprisedAraméAwanis,ChristopherLowe,DevynHollidayandGianlucaStorchi.MarketingsupportwasprovidedbyAnaForjazandVincentKeung.ProjectmanagementsupportwasprovidedbyDuncanRamsbotham.ContributorsAbbiePhatty-Jobe,AshleyOlsonOnyango,BrendaCheyech,DominicaLindsey,IsabelleCarboni,KennedyKipkemboiSawe,LeilaGuici,MaryGichuki,MatthewDowner,MaxCuvellier,NighamShahid,SaadFarooq,WinnieWambuguandZachWhite.ExternalcontributorsIpsos,LeoraKlapper(WorldBank)andVibhorJain(independentconsultant).GSMAMobileforDevelopment(M4D)contributorsTheauthorsaregratefultoseveralcolleagueswithinGSMAMobileforDevelopmentfortheirinput:AbbiePhatty-Jobe(AgriTechprogramme),LeilaGuici(ClimateTechprogramme),MatthewDowner(MobileforHumanitarianInnovationprogramme),NighamShahid(CentralInsightsUnit)andZachWhite(DigitalUtilitiesprogramme).TheStateoftheIndustryReportonMobileMoney2023isbasedondatacollectedfromtheGlobalAdoptionSurvey2022andthe2022GSMAConsumerSurvey.TheauthorsaregratefultoIpsosforcollectingdatafortheConsumerSurveyinninecountries:Bangladesh,Ethiopia,Ghana,India,Indonesia,Kenya,Nigeria,PakistanandSenegal.Formorecontentanddata,visitgsma.com/sotirTheGSMAMobileMoneyprogrammeworkstogetherwiththeindustryachievethefullpotentialofdigitalfinanceforall.Ourvisionistounlockthefullpowerofconnectivitysothatpeople,industryandsocietythrive.Representingmobileoperatorsandorganisationsacrossthemobileecosystemandadjacentindustries,theGSMAdeliversforitsmembersacrossthreebroadpillars:ConnectivityforGood,IndustryServicesandSolutionsandOutreach.Thisactivityincludesadvancingpolicy,tacklingtoday’sbiggestsocietalchallenges,underpinningthetechnologyandinteroperabilitythatmakemobileworkandprovidingtheworld’slargestplatformtoconvenethemobileecosystemattheMWCandM360seriesofevents.Weinviteyoutofindoutmoreatgsma.comFollowtheGSMAonTwitter:@GSMAMobileMoneyTheGSMAMobileMoneyprogrammeworkstoacceleratethedevelopmentofthemobilemoneyecosystemfortheunderserved.Formoreinformation,pleasecontactus:Web:www.gsma.com/mobilemoneyTwitter:@GSMAMobileMoneyEmail:mobilemoney@gsma.comTHEMOBILEMONEYPROGRAMMEISSUPPORTEDBYTHEBILL&MELINDAGATESFOUNDATION.THESTATEOFTHEINDUSTRYREPORTONMOBILEMONEY2023MatsGranrydDirectorGeneraloftheGSMAandaMemberoftheBoard.ThisreportwaspreparedbytheGSMA’sMobileMoneyprogrammeincollaborationwiththemobilemoneyindustry,andwiththegeneroussupportoftheBill&MelindaGatesFoundation.ForewordfromMatsGranrydDirectorGeneraloftheGSMAandaMemberoftheBoard.Acrosstheworldmobilemoneyservicesaregrowing,andgrowingfast.Whileittooktheindustry17yearstoreachthefirst800millioncustomers,ittookonly5yearstoreachthenext800million,andofthat,400millionaccountswereaddedoverthecourseofthepandemic.Todaythereare1.6billionregisteredmobilemoneyaccounts.Trulyremarkable.In2022,wewereclearlyabletose