The Germany-serbia Remittance Corridor

The Germany-Serbia Remittance Corridor is part of the World Bank Working Paper series. These papers are published to communicate the results of the Bank's ongoing research and to stimulate public discussion.

Foreword	p. v
Acknowledgments	p. vii
Abbreviations and Acronyms	p. ix
Introduction and Objectives of the Study	p. 1
The First Mile	p. 5
Serbian Diaspora in Germany	p. 5
Migration Flows from Yugoslavia to Germany	p. 8
How do Serbs Transfer Money Home?	p. 9
Who Are the Main Market Players in the Formal Remittance Corridor?	p. 11
Money Transfer Services Offered by Commercial Banks in Germany	p. 12
Products Available in the Marketplace	p. 14
At the Intermediary Stage	p. 17
Remittance Fees in the Germany-Serbia Corridor	p. 17
Main Regulatory Requirements for Money Transfer Companies in Germany and Serbia	p. 21
Informal Fund Transfer Systems (IFTS)	p. 22
The Last Mile	p. 27
The Data on Remittance Inflows	p. 28
Remittances and the Financial System	p. 31
Maximizing the Developmental Impact of Remittances in Serbia	p. 34
Conclusions and Policy Recommendations	p. 37
Promoting More Competition	p. 38
Fostering the Use of Formal Remittance Channels	p. 39
Maximize Developmental Impact of Remittances	p. 40
Improving Data on Remittances	p. 40
Appendixes	p. 43
Key Characteristics of the Corridor	p. 43
Top 20 Remittance-receiving Countries as Share of GDP, 2004	p. 45
Western Union Locations in Serbia	p. 47
Bibliography	p. 51
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