整体监管环境以及银行、汇款公司、小额信贷机构和非���规经营机构的产品和服务质量（包括速度、成本、安全性和易用性）能够对移民的汇款行为造成本质性的影响。
Migrants’ remittance behavior is essentially dictated by the regulatory environment and the quality – in terms of speed, cost, security, and accessibility – of products and services offered by banks, money-transfer companies, micro-finance institutions, and informal operators.