{"id":7641,"date":"2020-07-21T08:30:00","date_gmt":"2020-07-20T22:30:00","guid":{"rendered":"https:\/\/testblogs.griffith.edu.au\/asiainsights\/?p=7641"},"modified":"2023-03-29T14:40:45","modified_gmt":"2023-03-29T04:40:45","slug":"adapting-remittances-to-the-new-normal-the-case-of-fiji","status":"publish","type":"post","link":"https:\/\/testblogs.griffith.edu.au\/asiainsights\/adapting-remittances-to-the-new-normal-the-case-of-fiji\/","title":{"rendered":"Adapting remittances to the new normal\u2014the case of Fiji"},"content":{"rendered":"\n

Remittance flow falling victim to the COVID-19 pandemic was anybody\u2019s guess.  It was only a matter of time before this realisation would hit global economies, and drastically, in most cases.  It was not until late April that news of an anticipated drop-off came as the World Bank forecasted a dismal 20 per cent decline<\/a> in global remittances for 2020, the largest in recent history.  But it is not known if a second wave of the pandemic, now underway in several parts of the world, had been factored into the modelling at the time, considering that this would worsen forecasts by any measure.<\/p>\n\n\n\n

Pacific Island Countries are going to be especially hit hard as remittance flows in the East Asia and Pacific Region are expected to contract by 13 per cent<\/a>.  A number of these countries are among the largest recipients of personal remittances relative to the size of their economies with Tonga topping the list at 40.7 per cent<\/a>. In the case of Fiji, as recently noted by the Reserve Bank of Fiji Governor, Mr Ariff Ali, personal remittances constitute the second largest foreign exchange earner after tourism and it raked in just below FJ$600m in 2019; equivalent to 5 per cent of GDP.<\/p>\n\n\n\n

More recent analyses based on data provided through the Reserve Bank of Fiji\u2019s Enhanced General Data Dissemination System<\/a> online showed a decline in personal remittances of about 2.4 per cent to $233.2 million cumulative to May 2020, compared to a 10.1 per cent growth in the corresponding period in 2019.  This outcome was largely driven by declines in gifts, maintenance and donations (-2.2 per cent) and personal receipts (-0.2 per cent) which more-than offset a marginal increase in immigrant transfers (+0.02 per cent).  While these trends might lend support to the World Bank\u2019s forecasts of what is to come by the end of the year, there has been one development that surprised many\u2014positively!<\/p>\n\n\n\n

Since the height of what might be considered to have been the first wave of COVID-19 earlier this year, mobile money remittance channels took to the forefront of sustaining these lifelines as lockdowns, social distancing rules and deterrents to the use of cash catalysed a shift towards digital services on both sending and receiving ends.  For instance, inward remittances through Vodafone\u2019s M-PAiSA\u2014one of two mobile money service providers in Fiji\u2014more than doubled within two months to FJ$4.5 million<\/a> in April and is anticipated to grow further for the rest of the year.  In comparison, total remittances recorded a 42 per cent drop over the same period.  While inward remittances through mobile money have been among the least costly methods of sending money from Australia, New Zealand and the US<\/a>, flows through these channels have long been only a fraction relative to total personal remittance flows<\/a>.  The observed pandemic-induced boost to this service represents both a historic and promising development in advancing the uptake of digital financial services.<\/p>\n\n\n\n

Recognising the lifeline that these digital remittance channels sustained, the Pacific Financial Inclusion Programme engaged a partnership with Vodafone<\/a> to waive fees on both its international and local remittance channels for two months from mid-May which is anticipated to accelerate the growth of flows through these channels even further.  And especially where mobile money services offer recipients an ecosystem of making payments safely, such as through scanning quick response codes at a distance from merchants and bill payments remotely through mobile, a boom in the use of these services is expected to be sustained for a while as signs of a return to normalcy is shrouded by uncertainty. <\/p>\n\n\n\n

These developments in mobile money services have highlighted the importance of these digital channels in enabling access to cost effective and efficient financial services.  While the challenges that the pandemic has brought may be unprecedented, mobile money services are no strangers to crises, having been leveraged previously to provide assistance during major natural disasters and assist in disbursements of allowances to tertiary students under scholarship or loan schemes. <\/p>\n\n\n\n

The challenge for central banks going forward would be to ensure that their regulatory environment remain conducive to these services; in particular, by ensuring that risk-based due diligence measures are applied to maintain uninterrupted access to what is now becoming an increasingly essential channel.  This would require dialogue between remittance service providers and even regulators to ensure that anti-money laundering rules are appropriate to these channels and are harmonised to prevent frictions on both sending and receiving ends. <\/p>\n\n\n\n

Central banks are encouraged to address barriers to genuinely innovative solutions such as FinTech which can enable more efficient and cost-effective options for consumers.  Exploring and facilitating public-private partnerships to expand connectivity and further reduce the costs of receiving remittances are also suggested.  In addition, central banks may consider ways of raising the profile of these channels and enhance financial as well as digital literacy so as to deepen access across previously-excluded segments of society and to counter exclusion driven by increased digitisation of these services.  Now, more than ever, is a critical time to adapt these lifelines to the new normal in order to keep remittances flowing.  It would be interesting to learn about the experiences of other PICs via the Pacific Forum<\/a>, among others.<\/p>\n\n\n\n

AUTHOR<\/p>\n\n\n\n

Eserani Munivai<\/em><\/strong>, <\/em>Analyst \u2013 Financial System Development Unit, Financial System Development Group<\/p>\n\n\n\n

Reserve Bank of Fiji. The views expressed in this article are that of the author and do not necessarily represent the position of the Reserve Bank of Fiji. For more articles on PIC economies, see Pacific Forum<\/a>.<\/p>\n","protected":false},"excerpt":{"rendered":"

Remittance flow is falling victim to COVID-19. Eserani Munivai suggests expanding connectivity may enhance financial and digital literacy to reduce costs and deepen access across previously excluded segments in Pacific societies.<\/p>\n","protected":false},"author":14,"featured_media":7642,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"","_lmt_disable":"","jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_newsletter_tier_id":0,"footnotes":""},"categories":[1170,1105,233,1763,1427,1755,1021,248,1055],"tags":[1052,1087,1314,323,1280,969,1050,1315,509],"class_list":["post-7641","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-commentary","category-coronavirus-in-the-pacific","category-feature-series","category-financial-inclusion","category-pacific-forum","category-governance-democracy","category-pacific-outlook","category-png-and-the-pacific","category-economies-and-development","tag-coronavirus","tag-covid-19","tag-eserani-munivai","tag-fiji","tag-pacific-forum","tag-pacific-islands","tag-pacific-outlook","tag-remittances","tag-reserve-bank-of-fiji"],"acf":[],"modified_by":"Jill Moriarty","yoast_head":"\nAdapting remittances to the new normal\u2014the case of Fiji | Griffith Asia Insights<\/title>\n<meta name=\"description\" content=\"Remittance flow is falling victim to COVID-19. 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