Blockchain technology, introduced 15 years ago, promised near real-time payments at low cost and without intermediaries. Since that time, however, fintech-predominantly without blockchain-has dramatically increased the speed, convenience and access of payments. This talk 1) gives an overview of traditional payments systems in terms of central bank vs. private money, real-time gross vs. batch net settlement, and bank payment "rails"; 2) illustrates the success of recent fintech innovations using the examples of India's Unified Payments Interface, Square's financial services platform, and Kenya's M-Pesa money transfer service; and 3) describes blockchain's sortie into cross-border payments using the examples of Ripple and various stablecoins. #fintech #blockchain #digitalcurrency
This is really good. Cheers Anton
https://youtu.be/WsDwnRt3L4g?si=CD-RTssYcuat5mw3
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