Zepz Released Five-Year Global Remittance Study
A new behavioral study highlights evolving cross-border money transfer patterns among 5.5 million users.
Updated on Oct. 6, 2026 in Financial Planning
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Zepz has published a five-year study analyzing remittance behavior from 5.5 million unique users between May 2021 and May 2026. The findings reveal that adults aged 25 to 34 now represent the largest demographic cohort on the network.
Why it matters
The report provides insight into shifting global financial habits, as remittances increasingly align with specific salary cycles and major holidays. Understanding these trends helps stakeholders monitor how international money transfers adapt to changing digital user demographics.
The study shows that 94.7% of all transfers are valued below $250, with average transaction values rising by approximately 13% over the study period. Additionally, network volume growth averaged 12% annually in the two years leading up to May 2026.
The players
Zepz
Zepz is a global technology company that operates digital cross-border payment platforms for international money transfers.
The details
Transfers show strong patterns linked to the first five days of the month and Fridays, with activity peaks occurring during March and December to accommodate holiday spending like Christmas, Ramadan, and Eid. Female participation in the network reached 45.9% in 2025, while the gender gap in average transfer value narrowed to $6.42.
Timeline
May 2021 marked the start of the five-year data collection period.
2025 saw female senders reach 45.9% of the platform's active user base.
May 2026 concluded the five-year study timeframe.
October 6, 2026, served as the official publication date for the behavioral study.
Market Dynamics
The data reflects a broader sector-wide shift toward digital-first remittance services, mirroring the movement of traditional finance into mobile-only ecosystems. This aligns with global industry trends where platforms are increasingly prioritizing mobile wallet features to capture higher user engagement.
Users can expect the platform to pivot toward integrated digital wallet functionality, potentially simplifying how they store and manage funds across borders. The data suggests that consistent transaction patterns around the start of the month may influence future service availability and fee structures.
The takeaway
Users should note that remittance behavior is highly synchronized with monthly salary cycles and major cultural holidays. Implementing a financial strategy that accounts for these peak times can help frequent senders better manage their international transaction costs.
Further reading
For more on managing international currency transfers and cross-border financial strategies, visit Financial Planning.
Source note: This article includes information reported by The Fintech Times.
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