The U.S.-Guatemala Remittance Corridor:

The U.S.-Guatemala 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.

Acknowledgments	p. vii
Abbreviations and Acronyms	p. ix
Executive Summary	p. xi
Introduction	p. 1
Context	p. 1
Organization of the Study	p. 4
At the First Mile	p. 5
Snapshot	p. 5
Profile of Remittance Senders	p. 6
Features of the Remittance Industry	p. 8
Impact of the Regulatory Framework at the First Mile	p. 12
Key Findings and Avenues for Further Action	p. 17
At the Intermediary Stage	p. 19
Generic Remittance Intermediation Model	p. 20
Current Status of Remittance Intermediation Infrastructure in the U.S.-Guatemala Corridor	p. 21
Key Findings and Avenues for Further Action	p. 28
At the Last Mile	p. 33
Characteristics of Recipients and the Impact of Remittances	p. 34
Remittance Distribution Industry and Potential for Increased Access to Financial Services	p. 39
Last Mile Regulatory and Institutional Framework	p. 46
Key Findings and Avenues for Further Action	p. 49
Appendixes
Relative Importance of Remittances at Macroeconomic Level in Guatemala vs. Selected Latin American Countries	p. 51
Addenda on Relevant Legal and Regulatory Framework	p. 55
Full Text of Relevant Sections of Laws and Regulations Mentioned in Document	p. 59
Bibliography	p. 65
Map of Remittance Flows in the U.S.-Guatemala Corridor	p. 71
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The U.S.-Guatemala Remittance Corridor: Understanding Better the Drivers of Remittances Intermediation

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