But most families that rely on remittances operate outside of the world’s financial system as well. Despite the global prevalence of electronic money transfers, most migrant workers are excluded from the convenience of modern banking services, dependent on costly cash transfers that often require rural recipients to travel significant distances.
全世界大约有2.15亿人生活在被他们称作祖国的国家之外。但大部分依赖侨汇的家庭同时也无法利用世界金融系统进行操作。尽管电子汇款已在全球普及，但大部分赴外工人被排除在外，无法享受现代银行服务的便利，他们只能依靠成本高昂的汇款方式，收款人往往需要到很远的地方去取汇款。