Specifically, the front-end part of fintech, including consumer visibility into FX margins and fees, seems to have improved significantly. However, the back-end, dominated by legacy correspondent banking networks, still lags behind, causing delays and inefficiencies in international payments. https://youtu.be/EKs8N3E74h4 The solution you’re pointing towards is Central Bank Digital Currencies (CBDCs) or some form of decentralized…