在數位和加密貨幣革命的引領下，拉丁美洲匯款激增

萬事達卡的白皮書強調了拉丁美洲匯款率的不斷增長，超過了全球平均水平。該報告強調了行動和網路普及推動的向數位匯款選擇的轉變。儘管成本高昂，但數位匯款預計到 2026 年將達到 200 億美元。然而，挑戰依然存在，包括信任、監管問題以及收款國缺乏全面的數位支付生態系統。萬事達卡倡導匯款提供者之間進行合作，以解決這些障礙。

Remittances in Latin America: The Rise of Digital and Crypto

拉丁美洲的匯款：數位與加密貨幣的興起

Are Latin American Remittances Outpacing Global Growth?

拉丁美洲的匯款是否超過了全球成長？

The latest Mastercard white paper sheds light on the rapidly growing remittance landscape in Latin America, where rates are surging ahead of the global average. The report attributes this growth to the increasing penetration of mobile phones and internet, fueling a shift from traditional cash-based remittances to digital alternatives.

最新的萬事達卡白皮書揭示了拉丁美洲快速成長的匯款格局，該地區的匯款利率飆升至全球平均水平。該報告將這一增長歸因於行動電話和互聯網的日益普及，推動了傳統現金匯款向數位替代方案的轉變。

How Much Does It Cost to Send Remittances to Latin America?

匯款到拉丁美洲需要多少費用？

In 2022, the average cost of sending remittances to Latin America was 5.8%, slightly below the global average of 6.3%. However, costs could reach as high as 25.5% in certain impoverished regions, highlighting the disparity in remittance fees across the continent.

2022年，向拉丁美洲匯款的平均成本為5.8%，略低於6.3%的全球平均。然而，在某些貧困地區，費用可能高達 25.5%，凸顯了整個非洲大陸匯款費用的差異。

Is Price Competition Driving Down Remittance Costs?

價格競爭是否會降低匯款成本？

With increased competition among remittance providers, there's a potential "race to the bottom" on prices, offering lower costs for consumers. However, the report also highlights data from the World Bank indicating that a significant portion (over 50%) of remittances are still being transmitted through informal channels.

隨著匯款提供者之間的競爭加劇，可能會出現價格「競底」的情況，從而降低消費者的成本。然而，報告也強調了世界銀行的數據，顯示很大一部分（超過 50%）的匯款仍在透過非正式管道進行轉移。

What's the Future of Remittances in Latin America: Digital Dominance

拉丁美洲匯款的未來是什麼：數位主導地位

Mastercard's analysis reveals the emergence of a "completely new reality" in global remittances, with Latin America leading the charge in digital adoption. As of now, 43% of remittances to the region are received digitally, compared to a global average of 52%. Digital remittances are projected to reach $20 billion by 2026.

萬事達卡的分析揭示了全球匯款中「全新現實」的出現，其中拉丁美洲在數位採用方面處於領先地位。截至目前，該地區 43% 的匯款是透過數位方式收到的，而全球平均為 52%。預計到 2026 年，數位匯款將達到 200 億美元。

Who's Leading the Digital Remittance Revolution?

誰在引領數位匯款革命？

Several key players are driving the digitalization of remittances in Latin America, including Circle and SBI Holdings, which offer remittances using USDC (USDC), and SBI Remit, which utilizes Ripple technology. Ripple is particularly notable for its pioneering efforts in exploring potential applications for central bank digital currencies (CBDCs).

幾個主要參與者正在推動拉丁美洲匯款的數位化，包括使用 USDC (USDC) 提供匯款的 Circle 和 SBI Holdings，以及利用 Ripple 技術的 SBI Remit。 Ripple 因其在探索中央銀行數位貨幣（CBDC）潛在應用方面的開創性努力而特別引人注目。

Crypto Enters the Remittance Arena: Opportunities and Challenges

加密貨幣進入匯款領域：機會與挑戰

Cryptocurrencies are also making their mark in the Latin American remittance market, with players like Binance and Mastercard (through its partnership with Belo) offering crypto-based services. However, the report acknowledges ongoing challenges in the crypto realm, such as trust issues, regulatory hurdles, and technological adoption barriers.

加密貨幣也在拉丁美洲匯款市場上嶄露頭角，幣安和萬事達卡（透過與 Belo 合作）等參與者提供基於加密的服務。然而，該報告承認加密領域持續存在的挑戰，例如信任問題、監管障礙和技術採用障礙。

Beyond Digital Transactions: The Importance of Ecosystem Development

超越數位交易：生態系統發展的重要性

While digitizing remittances is crucial, the report emphasizes the need to extend this digitalization beyond the transaction itself. It highlights the importance of fostering digital money ecosystems in recipient countries to enable broader cost reduction and seamless digital payments for recipients.

儘管匯款數位化至關重要，但報告強調需要將這種數位化擴展到交易本身之外。它強調了在受援國培育數位貨幣生態系統的重要性，以實現更廣泛的成本降低和受援國的無縫數位支付。

Can Partnerships Drive Innovation in Remittances?

合作關係能否推動匯款創新？

The Mastercard white paper concludes by calling for collaboration among remittance providers. It suggests that "intelligent partnerships" between diverse players can accelerate innovation, improve efficiency, and drive down costs in the remittance industry.

萬事達卡白皮書最後呼籲匯款提供者之間進行合作。它表明，不同參與者之間的「智慧合作夥伴關係」可以加速創新、提高效率並降低匯款產業的成本。