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.

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.

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.

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.