Check Cashing Services Global Market Report 2024

Description

Check cashing services are financial offerings provided by specialized businesses or retail establishments that enable individuals to cash checks without needing a bank account. Typically, these services charge a fee, which may be either a percentage of the check amount or a fixed rate. They are especially useful for those who lack access to traditional banking services or require immediate access to their funds.

The primary types of checks processed by these services include pre-printed checks, payroll checks, government checks, tax checks, and others. Pre-printed checks contain the payer's and payee's information, along with other necessary details, already printed on them. Service providers include banks, credit unions, and other entities that cater to various users, such as commercial and personal clients.

The check cashing services market research report is one of a series of new reports from The Business Research Company that provides check cashing services market statistics, including check cashing services industry global market size, regional shares, competitors with a check cashing services market share, detailed check cashing services market segments, market trends and opportunities, and any further data you may need to thrive in the check cashing services industry. This check cashing services market research report delivers a complete perspective on everything you need, with an in-depth analysis of the current and future scenarios of the industry.

The check cashing services market size has grown rapidly in recent years. It will grow from $26.89 billion in 2023 to $29.62 billion in 2024 at a compound annual growth rate (CAGR) of 10.2%. The growth during the historic period can be attributed to several factors, including a growing reliance on alternative financial services, increased demand for convenient financial solutions, a rising number of unbanked and underbanked individuals, more frequent paychecks and government benefits, changes in regulations, and more relaxed restrictions.

The check cashing services market size is expected to see rapid growth in the next few years. It will grow to $44.19 billion in 2028 at a compound annual growth rate (CAGR) of 10.5%. The growth expected during the forecast period can be attributed to the expansion of financial inclusion initiatives, the growth of gig economy jobs, increased financial literacy and consumer awareness, a rising consumer preference for on-demand financial services, economic uncertainties, and fluctuating income levels. Key trends in the forecast period include the integration of digital technologies, the growing popularity of prepaid cards, the adoption of advanced security technologies, the demand for more accessible and user-friendly solutions, and the integration with fintech solutions.

The increasing demand for checks used in business transactions is expected to drive the growth of the check-cashing services market. Business checks are written instruments that companies use to make payments or transfer funds between parties, offering a formal record and secure method of payment. The rising use of checks in business transactions is attributed to their reliability, ability to provide detailed transaction records, and the preference for traditional payment methods among businesses. Check-cashing services offer a quick and convenient way for companies to access funds from business checks without relying on traditional banking services. For example, in February 2024, the Federal Reserve System, a central bank based in the US, reported that the total value of commercial checks collected increased from $8,758 billion in 2021 to $8,948 billion in 2022. Consequently, the growing demand for business checks is fueling the expansion of the check-cashing services market.

Leading companies in the check-cashing services market are focusing on enhancing customer convenience through mobile app integration. These mobile applications allow users to deposit checks by photographing them with their phones. For instance, in January 2021, Venmo, a US-based financial services provider, introduced a "Cash a Check" feature within its app. This feature allows users to cash payroll and U.S. government checks, including stimulus checks, directly through the Venmo mobile app. To utilize this service, customers must have Direct Deposit or a Venmo Debit Card enabled, location services activated, and a verified email address. Users can simply take a photo of their endorsed check, and once approved, the funds are deposited into their Venmo account.

In June 2023, Madison Dearborn Partners (MDP), a private equity firm based in the US, acquired MoneyGram for $1.8 billion. This acquisition allows MDP to leverage MoneyGram's advanced financial technology solutions to capitalize on the rapid digital transformation of the global economy. MoneyGram International, Inc., a US-based financial services company, provides various services, including domestic and international money transfers, bill payments, and check-cashing services.

Major companies operating in the check cashing services market are Boeing Employees Credit Union (BECU), Wells Fargo & Company, U.S. Bancorp, Truist Financial Corporation, The PNC Financial Services Group Inc., Fifth Third Bank, KeyCorp, Huntington Bancshares Incorporated, Regions Financial Corporation, Comerica Bank, The Bank of The West, Santander Bank N. A., Check Into Cash Inc., Navy Federal Credit Union, Green Dot Corporation, Golden 1 Credit Union, Speedy Cash Inc., Amscot Financial, Ent Credit Union, Patelco Credit Union, Visions Federal Credit Union, Horizon Credit Union, Tropical Financial Credit Union, Great NorthWest Federal Credit Union, BMO Harris Bank N.A.

North America was the largest region in the check cashing services market in 2023. The regions covered in the check cashing services market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, Africa.

The countries covered in the check cashing services market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Canada, Italy, Spain.

The check cashing services market includes revenues earned by entities through money orders, bill payment services, and financial services and advice. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.

The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).

The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.

Check Cashing Services Global Market Report 2024 from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.

This report focuses on check cashing services market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.

Reasons to Purchase

Gain a truly global perspective with the most comprehensive report available on this market covering 50+ geographies.
Understand how the market has been affected by the COVID-19 and how it is responding as the impact of the virus abates.
Assess the Russia - Ukraine war's impact on agriculture, energy and mineral commodity supply and its direct and indirect impact on the market.
Measure the impact of high global inflation on market growth.
Create regional and country strategies on the basis of local data and analysis.
Identify growth segments for investment.
Outperform competitors using forecast data and the drivers and trends shaping the market.
Understand customers based on the latest market shares.
Benchmark performance against key competitors.
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Where is the largest and fastest growing market for check cashing services ? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward? The check cashing services market global report from the Business Research Company answers all these questions and many more.

The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.

The market characteristics section of the report defines and explains the market.
The market size section gives the market size ($b) covering both the historic growth of the market, and forecasting its development.
The forecasts are made after considering the major factors currently impacting the market. These include:

The impact of sanctions, supply chain disruptions, and altered demand for goods and services due to the Russian Ukraine war, impacting various macro-economic factors and parameters in the Eastern European region and its subsequent effect on global markets.

The impact of higher inflation in many countries and the resulting spike in interest rates.

The continued but declining impact of COVID-19 on supply chains and consumption patterns.

Market segmentations break down the market into sub markets.
The regional and country breakdowns section gives an analysis of the market in each geography and the size of the market by geography and compares their historic and forecast growth. It covers the growth trajectory of COVID-19 for all regions, key developed countries and major emerging markets.
The competitive landscape chapter gives a description of the competitive nature of the market, market shares, and a description of the leading companies. Key financial deals which have shaped the market in recent years are identified.
The trends and strategies section analyses the shape of the market as it emerges from the crisis and suggests how companies can grow as the market recovers.

Scope

Markets Covered:1) By Type: Pre-Printed Checks; Payroll Checks; Government Checks; Tax Checks; Other Types
2) By Service Provider: Banks; Credit Unions; Other Service Providers
3) By End-User: Commercial; Personal
Companies Mentioned: Boeing Employees Credit Union (BECU); Wells Fargo & Company; U.S. Bancorp; Truist Financial Corporation; The PNC Financial Services Group Inc.
Countries: Australia; Brazil; China; France; Germany; India; Indonesia; Japan; Russia; South Korea; UK; USA; Canada; Italy; Spain
Regions: Asia-Pacific; Western Europe; Eastern Europe; North America; South America; Middle East; Africa
Time series: Five years historic and ten years forecast.
Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita,
Data segmentations: country and regional historic and forecast data, market share of competitors, market segments.
Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.
Delivery format: PDF, Word and Excel Data Dashboard.

Product Code: r19607

1. Executive Summary

2. Check Cashing Services Market Characteristics

3. Check Cashing Services Market Trends And Strategies

4. Check Cashing Services Market - Macro Economic Scenario

4.1. Impact Of High Inflation On The Market
4.2. Ukraine-Russia War Impact On The Market
4.3. COVID-19 Impact On The Market

5. Global Check Cashing Services Market Size and Growth

5.1. Global Check Cashing Services Market Drivers and Restraints
- 5.1.1. Drivers Of The Market
- 5.1.2. Restraints Of The Market
5.2. Global Check Cashing Services Historic Market Size and Growth, 2018 - 2023, Value ($ Billion)
5.3. Global Check Cashing Services Forecast Market Size and Growth, 2023 - 2028, 2033F, Value ($ Billion)

6. Check Cashing Services Market Segmentation

6.1. Global Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
Pre-Printed Checks
Payroll Checks
Government Checks
Tax Checks
Other Types
6.2. Global Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
Banks
Credit Unions
Other Service Providers
6.3. Global Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
Commercial
Personal

7. Check Cashing Services Market Regional And Country Analysis

7.1. Global Check Cashing Services Market, Split By Region, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
7.2. Global Check Cashing Services Market, Split By Country, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

8. Asia-Pacific Check Cashing Services Market

8.1. Asia-Pacific Check Cashing Services Market Overview
Region Information, Impact Of COVID-19, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies
8.2. Asia-Pacific Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
8.3. Asia-Pacific Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
8.4. Asia-Pacific Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

9. China Check Cashing Services Market

9.1. China Check Cashing Services Market Overview
9.2. China Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F,$ Billion
9.3. China Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F,$ Billion
9.4. China Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F,$ Billion

10. India Check Cashing Services Market

10.1. India Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
10.2. India Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
10.3. India Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

11. Japan Check Cashing Services Market

11.1. Japan Check Cashing Services Market Overview
11.2. Japan Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
11.3. Japan Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
11.4. Japan Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

12. Australia Check Cashing Services Market

12.1. Australia Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
12.2. Australia Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
12.3. Australia Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

13. Indonesia Check Cashing Services Market

13.1. Indonesia Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
13.2. Indonesia Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
13.3. Indonesia Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

14. South Korea Check Cashing Services Market

14.1. South Korea Check Cashing Services Market Overview
14.2. South Korea Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
14.3. South Korea Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
14.4. South Korea Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

15. Western Europe Check Cashing Services Market

15.1. Western Europe Check Cashing Services Market Overview
15.2. Western Europe Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
15.3. Western Europe Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
15.4. Western Europe Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

16. UK Check Cashing Services Market

16.1. UK Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
16.2. UK Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
16.3. UK Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

17. Germany Check Cashing Services Market

17.1. Germany Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
17.2. Germany Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
17.3. Germany Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

18. France Check Cashing Services Market

18.1. France Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
18.2. France Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
18.3. France Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

19. Italy Check Cashing Services Market

19.1. Italy Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
19.2. Italy Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
19.3. Italy Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

20. Spain Check Cashing Services Market

20.1. Spain Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
20.2. Spain Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
20.3. Spain Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

21. Eastern Europe Check Cashing Services Market

21.1. Eastern Europe Check Cashing Services Market Overview
21.2. Eastern Europe Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
21.3. Eastern Europe Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
21.4. Eastern Europe Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

22. Russia Check Cashing Services Market

22.1. Russia Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
22.2. Russia Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
22.3. Russia Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

23. North America Check Cashing Services Market

23.1. North America Check Cashing Services Market Overview
23.2. North America Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
23.3. North America Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
23.4. North America Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

24. USA Check Cashing Services Market

24.1. USA Check Cashing Services Market Overview
24.2. USA Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
24.3. USA Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
24.4. USA Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

25. Canada Check Cashing Services Market

25.1. Canada Check Cashing Services Market Overview
25.2. Canada Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
25.3. Canada Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
25.4. Canada Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

26. South America Check Cashing Services Market

26.1. South America Check Cashing Services Market Overview
26.2. South America Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
26.3. South America Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
26.4. South America Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

27. Brazil Check Cashing Services Market

27.1. Brazil Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
27.2. Brazil Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
27.3. Brazil Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

28. Middle East Check Cashing Services Market

28.1. Middle East Check Cashing Services Market Overview
28.2. Middle East Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
28.3. Middle East Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
28.4. Middle East Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

29. Africa Check Cashing Services Market

29.1. Africa Check Cashing Services Market Overview
29.2. Africa Check Cashing Services Market, Segmentation By Type, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
29.3. Africa Check Cashing Services Market, Segmentation By Service Provider, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
29.4. Africa Check Cashing Services Market, Segmentation By End-User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion

30. Check Cashing Services Market Competitive Landscape And Company Profiles

30.1. Check Cashing Services Market Competitive Landscape
30.2. Check Cashing Services Market Company Profiles
- 30.2.1. Boeing Employees Credit Union (BECU)
  - 30.2.1.1. Overview
  - 30.2.1.2. Products and Services
  - 30.2.1.3. Strategy
  - 30.2.1.4. Financial Performance
- 30.2.2. Wells Fargo & Company
  - 30.2.2.1. Overview
  - 30.2.2.2. Products and Services
  - 30.2.2.3. Strategy
  - 30.2.2.4. Financial Performance
- 30.2.3. U.S. Bancorp
  - 30.2.3.1. Overview
  - 30.2.3.2. Products and Services
  - 30.2.3.3. Strategy
  - 30.2.3.4. Financial Performance
- 30.2.4. Truist Financial Corporation
  - 30.2.4.1. Overview
  - 30.2.4.2. Products and Services
  - 30.2.4.3. Strategy
  - 30.2.4.4. Financial Performance
- 30.2.5. The PNC Financial Services Group Inc.
  - 30.2.5.1. Overview
  - 30.2.5.2. Products and Services
  - 30.2.5.3. Strategy
  - 30.2.5.4. Financial Performance

31. Check Cashing Services Market Other Major And Innovative Companies

31.1. Fifth Third Bank
31.2. KeyCorp
31.3. Huntington Bancshares Incorporated
31.4. Regions Financial Corporation
31.5. Comerica Bank
31.6. The Bank of The West
31.7. Santander Bank N. A.
31.8. Check Into Cash Inc.
31.9. Navy Federal Credit Union
31.10. Green Dot Corporation
31.11. Golden 1 Credit Union
31.12. Speedy Cash Inc.
31.13. Amscot Financial
31.14. Ent Credit Union
31.15. Patelco Credit Union

32. Global Check Cashing Services Market Competitive Benchmarking

33. Global Check Cashing Services Market Competitive Dashboard

34. Key Mergers And Acquisitions In The Check Cashing Services Market

35. Check Cashing Services Market Future Outlook and Potential Analysis

35.1 Check Cashing Services Market In 2028 - Countries Offering Most New Opportunities
35.2 Check Cashing Services Market In 2028 - Segments Offering Most New Opportunities
35.3 Check Cashing Services Market In 2028 - Growth Strategies
- 35.3.1 Market Trend Based Strategies
- 35.3.2 Competitor Strategies

36. Appendix

36.1. Abbreviations
36.2. Currencies
36.3. Historic And Forecast Inflation Rates
36.4. Research Inquiries
36.5. The Business Research Company
36.6. Copyright And Disclaimer