金融科技在跨境支付中的机遇

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.