PUBLISHER: The Business Research Company | PRODUCT CODE: 1387741
PUBLISHER: The Business Research Company | PRODUCT CODE: 1387741
Payer Services Global Market Report 2024
“Payer Services Global Market Report 2024 ” from The Business Research Company provides strategists, marketers and senior management with the critical information they need to assess the market.
This report focuses on payer services market which is experiencing strong growth. The report gives a guide to the trends which will be shaping the market over the next ten years and beyond.
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Where is the largest and fastest growing market for payer services? How does the market relate to the overall economy, demography and other similar markets? What forces will shape the market going forward? “The payer services market global report ” from The Business Research Company answers all these questions and many more.
The report covers market characteristics, size and growth, segmentation, regional and country breakdowns, competitive landscape, market shares, trends and strategies for this market. It traces the market's historic and forecast market growth by geography.
Scope
Markets Covered:
- 1)By Outsourcing Services: Business Process Outsourcing Services; Knowledge Process Outsourcing Services; Information Technology Outsourcing Services
- 2)By Application: Revenue Cycle Management; Healthcare Reimbursement; Medical Billing Outsourcing; Other Applications
- 3)By End-User: Public Payers; Private Payers
- Companies Mentioned: United Health Group; Anthem Insurance Companies Inc.; Concentrix Corporation; Aetna Inc.; CIGNA Corp.
- Countries: Australia; Brazil; China; France; Germany; India; Indonesia; Japan; Russia; South Korea; UK; USA; Canada; Italy; Spain
- Regions: Asia-Pacific; Western Europe; Eastern Europe; North America; South America; Middle East; Africa
- Time series: Five years historic and ten years forecast.
- Data: Ratios of market size and growth to related markets, GDP proportions, expenditure per capita,
- Data segmentations: country and regional historic and forecast data, market share of competitors, market segments.
- Sourcing and Referencing: Data and analysis throughout the report is sourced using end notes.
- Delivery format: PDF, Word and Excel Data Dashboard.
Executive Summary
Payer services play a vital role in helping organizations within the healthcare sector streamline their business processes and provide enhanced services to their customers. Payers, in this context, refer to entities responsible for determining service prices, collecting payments, managing claims, and disbursing payments to healthcare service providers. Notable examples of payers include Medicare, Medicaid, and various health plan providers.
The primary outsourcing services offered within the realm of payer services encompass business process outsourcing (BPO) services, knowledge process outsourcing (KPO) services, and information technology outsourcing services. Business process outsourcing involves the practice of contracting specific work processes or procedures to external service providers to improve operational efficiency. These outsourcing services find application in areas like revenue cycle management, healthcare reimbursement, medical billing outsourcing, and others, and are utilized by both public and private payer organizations.
The payer services market research report is one of a series of new reports from The Business Research Company that provides payer services market statistics, including payer services industry global market size, regional shares, competitors with a payer services market share, detailed payer services market segments, market trends and opportunities, and any further data you may need to thrive in the payer services industry. This payer services market research report delivers a complete perspective of everything you need, with an in-depth analysis of the current and future scenario of the industry.
The payer services market size has grown rapidly in recent years. It will grow from $134.92 billion in 2023 to $156.72 billion in 2024 at a compound annual growth rate (CAGR) of 16.2%. The growth observed during the historic period in the field of payer services can be attributed to several key factors, including the increasing demand for cost containment in the healthcare industry, the growing complexity of healthcare systems, the rising need for data analytics to drive informed decisions, the increased demand for member engagement, the aging population, and the prevalence of chronic medical conditions. These factors have driven the expansion and evolution of payer services to meet the challenges and demands of the healthcare landscape.
The payer services market size is expected to see rapid growth in the next few years. It will grow to $277.68 billion in 2028 at a compound annual growth rate (CAGR) of 15.4%. The expected growth in the forecast period in the field of payer services can be attributed to several factors, including the increasing focus on population health management, the adoption of value-based care models, the expansion of telehealth services, and the growing demand for personalized healthcare solutions. Notable trends anticipated during the forecast period include the increasing use of data analytics and artificial intelligence, the integration of telehealth solutions, the implementation of consumer-centric approaches to healthcare, a stronger emphasis on health equity and inclusivity, and the utilization of remote monitoring and wearable technologies to enhance healthcare services and improve patient outcomes.
The increase in healthcare frauds is expected to drive the payer services market for tightening its security systems. Healthcare fraud includes malpractices such as individuals obtaining subsidized or fully-covered prescription pills that are actually unneeded and then selling them on the black market for a profit billing by practitioners for care that they never rendered, filing duplicate claims for the same service rendered, altering the dates and modifying medical records. The healthcare industry continues to suffer losses attributed to frauds and errors. For instance, according to the National Health Care Anti-Fraud Association, in the USA the loss from healthcare fraud was estimated to be $300 billion. Therefore, increasing healthcare fraud in the healthcare industry is propelling the demand for rigid security systems, thereby driving the growth of the payer services market.
The growing demand for telehealth is expected to drive the expansion of the payer services market in the coming years. Telehealth, which involves using telecommunications and digital technologies to provide remote healthcare services to patients and healthcare providers, offers payers the opportunity to enhance care quality, boost member satisfaction, and effectively manage healthcare costs. This benefits both payers and their members. For instance, in April 2023, FAIR Health Inc., a US-based non-profit organization, reported a 7.3% increase in national telehealth utilization, rising from 5.5% of medical claim lines in December 2022 to 5.9% in January 2023. Hence, the growing demand for telehealth is a key driver behind the growth of the payer services market.
The healthcare industry has long grappled with the significant challenge of data breaches and compromised confidentiality. In recent years, the healthcare sector has faced numerous privacy breaches and instances of confidential data loss. For example, as reported by the Hippa Journal, the Office for Civil Rights (OCR) of the Department of Health and Human Services (HHS) received 347 reports of healthcare data breaches involving 500 or more records between January 1, 2022, and June 30, 2022. The increasing occurrences of data breaches and confidentiality breaches are hindering the growth of the payer service market.
The increasing adoption of technologically advanced products is gaining substantial traction in the payer services market. This trend has led to improved price transparency, more affordable payer services, greater resource utilization, enhanced service quality, and increased member satisfaction and loyalty toward service providers. For example, in January 2022, Jopari, a US-based health information technology company, launched an All-Payer Attachments model, offering a cost-effective solution for delivering electronic Attachments to All Payers, regardless of their preference for electronic or paper submissions. This innovation has resulted in enhanced transparency and cost-effective alternatives for payers.
Prominent companies in the payer services market are prioritizing innovative solutions such as automating vendor integrations to boost their market revenues. Automating vendor integrations involve streamlining the connection between a business or organization and its vendors or suppliers using technology and software solutions. For instance, in March 2023, Flume Health, a US-based healthcare technology and insurance company, introduced a solution called Flume Relay, which serves as a global translation layer for data transfer between payers and vendors. Flume's user-friendly approach allows anyone to set up and manage data transactions. This capability enables payers to accommodate the various configurations required by self-insured consumers.
In September 2022, Zelis, a US-based healthcare and financial technology company, acquired Payer Compass for an undisclosed sum. This acquisition empowers Zelis to enhance and expand its top-tier solutions for offering healthcare services outside of network offerings. It provides advanced claims management solutions and addresses the challenges of healthcare's increasing complexity and costs, benefiting payers, providers, and members.
Major companies operating in the payer services market include United Health Group, Anthem Insurance Companies Inc., Concentrix Corporation, Aetna Inc., CIGNA Corp., HealthPartners, Blue Cross Blue Shield of Massachusetts, Group Health Cooperative, Accenture PLC, Cognizant Technology Solutions Corp., Tata Consultancy Services Limited., Xerox Holdings Corporation, WNS (Holdings) Limited., NTT Data Corporation, IQVIA Holdings Inc., Mphasis Limited., Genpact Limited., Wipro Limited., Infosys BPM Limited., Firstsource Solutions Limited., International Business Machines Corporation, HCL Technologies Limited., Lonza Group AG, Omega Healthcare Investors Inc., R1 RCM Inc., Invensis Technologies Pvt Ltd., PAREXEL International Corporation, Optum Inc., Humana Inc., McKesson Corporation, Change Healthcare Inc., Conifer Health Solutions LLC., Experian Health Inc.
North America was the largest region in the payer services market in 2023. Western Europe was the second-largest region in the global payer services market share. The regions covered in the payer services market report are Asia-Pacific, Western Europe, Eastern Europe, North America, South America, Middle East, and Africa.
The countries covered in the payer services market report are Australia, Brazil, China, France, Germany, India, Indonesia, Japan, Russia, South Korea, UK, USA, Italy, Spain, Canada.
The payer services market includes revenues earned by entities by providing BPO services, ITO services, and KPO services. The market value includes the value of related goods sold by the service provider or included within the service offering. Only goods and services traded between entities or sold to end consumers are included.
The market value is defined as the revenues that enterprises gain from the sale of goods and/or services within the specified market and geography through sales, grants, or donations in terms of the currency (in USD, unless otherwise specified).
The revenues for a specified geography are consumption values that are revenues generated by organizations in the specified geography within the market, irrespective of where they are produced. It does not include revenues from resales along the supply chain, either further along the supply chain or as part of other products.
Table of Contents
1. Executive Summary
2. Payer Services Global Market Characteristics
3. Payer Services Global Market Trends And Strategies
4. Payer Services Global Market - Macro Economic Scenario
- 4.1. Impact Of High Inflation On The Market
- 4.2. Ukraine-Russia War Impact On The Market
- 4.3. COVID-19 Impact On The Market
5. Global Payer Services Global Market Size and Growth
- 5.1. Global Payer Services Global Market Drivers and Restraints
- 5.1.1. Drivers Of The Market
- 5.1.2. Restraints Of The Market
- 5.2. Global Payer Services Global Historic Market Size and Growth, 2018 - 2023, Value ($ Billion)
- 5.3. Global Payer Services Global Forecast Market Size and Growth, 2023 - 2028, 2033F, Value ($ Billion)
6. Payer Services Global Market Segmentation
- 6.1. Global Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- Business Process Outsourcing Services
- Knowledge Process Outsourcing Services
- Information Technology Outsourcing Services
- 6.2. Global Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- Revenue Cycle Management
- Healthcare Reimbursement
- Medical Billing Outsourcing
- Other Applications
- 6.3. Global Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- Public Payers
- Private Payers
7. Payer Services Global Market Regional And Country Analysis
- 7.1. Global Payer Services Global Market, Split By Region, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 7.2. Global Payer Services Global Market, Split By Country, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
8. Asia-Pacific Payer Services Global Market
- 8.1. Asia-Pacific Payer Services Global Market Overview
- Region Information, Impact Of COVID-19, Market Information, Background Information, Government Initiatives, Regulations, Regulatory Bodies, Major Associations, Taxes Levied, Corporate Tax Structure, Investments, Major Companies
- 8.2. Asia-Pacific Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 8.3. Asia-Pacific Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 8.4. Asia-Pacific Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
9. China Payer Services Global Market
- 9.1. China Payer Services Global Market Overview
- 9.2. China Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F,$ Billion
- 9.3. China Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F,$ Billion
- 9.4. China Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F,$ Billion
10. India Payer Services Global Market
- 10.1. India Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 10.2. India Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 10.3. India Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
11. Japan Payer Services Global Market
- 11.1. Japan Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 11.2. Japan Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 11.3. Japan Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
12. Australia Payer Services Global Market
- 12.1. Australia Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 12.2. Australia Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 12.3. Australia Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
13. Indonesia Payer Services Global Market
- 13.1. Indonesia Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 13.2. Indonesia Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 13.3. Indonesia Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
14. South Korea Payer Services Global Market
- 14.1. South Korea Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 14.2. South Korea Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 14.3. South Korea Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
15. Western Europe Payer Services Global Market
- 15.1. Western Europe Payer Services Global Market Overview
- 15.2. Western Europe Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 15.3. Western Europe Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 15.4. Western Europe Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
16. UK Payer Services Global Market
- 16.1. UK Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 16.2. UK Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 16.3. UK Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
17. Germany Payer Services Global Market
- 17.1. Germany Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 17.2. Germany Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 17.3. Germany Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
18. France Payer Services Global Market
- 18.5. France Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 18.6. France Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 18.7. France Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
19. Italy Payer Services Global Market
- 19.9. Italy Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 19.10. Italy Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 19.11. Italy Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
20. Spain Payer Services Global Market
- 20.13. Spain Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 20.14. Spain Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 20.15. Spain Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
21. Eastern Europe Payer Services Global Market
- 21.1. Eastern Europe Payer Services Global Market Overview
- 21.2. Eastern Europe Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 21.3. Eastern Europe Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 21.4. Eastern Europe Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
22. Russia Payer Services Global Market
- 22.1. Russia Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 22.2. Russia Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 22.3. Russia Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
23. North America Payer Services Global Market
- 23.1. North America Payer Services Global Market Overview
- 23.2. North America Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 23.3. North America Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 23.4. North America Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
24. USA Payer Services Global Market
- 24.1. USA Payer Services Global Market Overview
- 24.2. USA Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 24.3. USA Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 24.4. USA Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
25. Canada Payer Services Global Market
- 25.1. Canada Payer Services Global Market Overview
- 25.2. Canada Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 25.3. Canada Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 25.4. Canada Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
26. South America Payer Services Global Market
- 26.1. South America Payer Services Global Market Overview
- 26.2. South America Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 26.3. South America Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 26.4. South America Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
27. Brazil Payer Services Global Market
- 27.1. Brazil Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 27.2. Brazil Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 27.3. Brazil Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
28. Middle East Payer Services Global Market
- 28.1. Middle East Payer Services Global Market Overview
- 28.2. Middle East Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 28.3. Middle East Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 28.4. Middle East Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
29. Africa Payer Services Global Market
- 29.1. Africa Payer Services Global Market Overview
- 29.2. Africa Payer Services Global Market, Segmentation By Outsourcing Services, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 29.3. Africa Payer Services Global Market, Segmentation By Application, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
- 29.4. Africa Payer Services Global Market, Segmentation By End User, Historic and Forecast, 2018-2023, 2023-2028F, 2033F, $ Billion
30. Payer Services Global Market Competitive Landscape And Company Profiles
- 30.1. Payer Services Global Market Competitive Landscape
- 30.2. Payer Services Global Market Company Profiles
- 30.2.1. United Health Group
- 30.2.1.1. Overview
- 30.2.1.2. Products and Services
- 30.2.1.3. Strategy
- 30.2.1.4. Financial Performance
- 30.2.2. Anthem Insurance Companies Inc.
- 30.2.2.1. Overview
- 30.2.2.2. Products and Services
- 30.2.2.3. Strategy
- 30.2.2.4. Financial Performance
- 30.2.3. Concentrix Corporation
- 30.2.3.1. Overview
- 30.2.3.2. Products and Services
- 30.2.3.3. Strategy
- 30.2.3.4. Financial Performance
- 30.2.4. Aetna Inc.
- 30.2.4.1. Overview
- 30.2.4.2. Products and Services
- 30.2.4.3. Strategy
- 30.2.4.4. Financial Performance
- 30.2.5. CIGNA Corp
- 30.2.5.1. Overview
- 30.2.5.2. Products and Services
- 30.2.5.3. Strategy
- 30.2.5.4. Financial Performance
- 30.2.1. United Health Group
31. Global Payer Services Global Market Competitive Benchmarking
32. Global Payer Services Global Market Competitive Dashboard
33. Key Mergers And Acquisitions In The Payer Services Global Market
34. Payer Services Global Market Future Outlook and Potential Analysis
- 34.1 Payer Services Global Market In 2028 - Countries Offering Most New Opportunities
- 34.2 Payer Services Global Market In 2028 - Segments Offering Most New Opportunities
- 34.3 Payer Services Global Market In 2028 - Growth Strategies
- 34.3.1 Market Trend Based Strategies
- 34.3.2 Competitor Strategies
35. Appendix
- 35.1. Abbreviations
- 35.2. Currencies
- 35.3. Historic And Forecast Inflation Rates
- 35.4. Research Inquiries
- 35.5. The Business Research Company
- 35.6. Copyright And Disclaimer
