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Pensando en los puntos de fricción en los pagos transfronterizos. El sistema bancario corresponsal actual está maduro para la disrupción. ¿Cuáles son algunas de las pilas tecnológicas o marcos regulatorios más prometedores que ves emergiendo para abordar esto de manera eficiente?
I think the tech is there, but the regulatory frameworks are the real bottleneck. We need more international cooperation on digital identity and standardized KYC/AML to truly unlock efficient cross-border payments.
While blockchain has potential, I'm also interested in how AI and machine learning could optimize existing payment rails, making them more efficient and fraud-resistant without a complete overhaul. Incremental improvements can be significant too.
Absolutely, the correspondent banking model is definitely showing its age. I'm keeping a close eye on blockchain-based solutions, specifically those targeting real-time gross settlement. RippleNet comes to mind, despite its regulatory hurdles.
I agree the system needs disruption, but I wonder how much of it is truly 'ripe' versus 'entrenched'. The current players have deep pockets and a vested interest in maintaining the status quo, making real change a significant uphill battle.
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