Baseline Survey on Remittance Beneficiaries' Financial Behaviors in East Europe and Central Asia (Anglais)

This report provides an overview of findings from the baseline survey on remittance1 beneficiaries financial behaviors, conducted in Eastern Europe and Central Asia. The survey was undertaken in Albania, Kosovo, Serbia, Bosnia and Herzegovina, Kyrgyzstan...  Voir la suite This report provides an overview of findings from the baseline survey on remittance1 beneficiaries financial behaviors, conducted in Eastern Europe and Central Asia. The survey was undertaken in Albania, Kosovo, Serbia, Bosnia and Herzegovina, Kyrgyzstan, and Tajikistan. The Remittances and Payments Program (RPP) in Eastern Europe and Central Asia, funded by the State Secretariat for Economic Affairs (SECO, Switzerland), focuses on improving the retail payments environment in selected countries, with a specific focus on creating an efficient and well-structured market environment for the transfer of international remittances. Against this backdrop, the baseline survey aims to provide evidence and data insights that can be leveraged to improve the remittance environment. An efficient and well-structured remittance environment enables migrants and their families to benefit from improved access to remittances services that are cheaper and safer to use. Creating efficiencies in the provision of remittances services will also have the added benefit of additional funds being made available that can be leveraged for savings and investment purposes. There is also an opportunity to leverage access and use of remittances services as an entry point to broader financial services for those that are either underserved or currently have no access to services outside of those they use to receive money from friends and family overseas. The Remittances and Payments Program (RPP) adheres to the World Bank – CPMI General Principles for International Remittance Services (General Principles). The General Principles cover a broad range of areas relating to the remittances markets, including consumer protection and transparency, legal and regulatory framework, payment system infrastructure, market structure and competition, remittance service providers’ governance, and risk management. The main objective of this baseline survey was to understand behavior of remittance recipients in selected countries and the level of their satisfaction with existing remittance products and services. The survey had the added objective of establishing a baseline for which to assess the impact of the provision of technical and the preparation and eventual implementation of the six-country roadmap to be created for the ECA countries surveyed.  Réduire