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SENDING MONEY

Forex, Remittances, Migration and The Fintech Revolution

The Evolution of the Cross-Border Financial Services Industry.

Let me take you, from the early days of family remittances, to the fintech revolution!

This is the history of forty years of constantly challenging the financial services industry to bring innovation, speed, efficiency, lower costs and better services to millions of people and businesses worldwide. I want to tell you how the explosive growth of this industry came about, presenting the history of the cross-border payments industry since the shift from informal methods of migrants sending money home to the use by money transfer providers of EFTs -Electronic Funds Transfers.

Technology initiated the first step toward digitization with the Telex and then the Fax, before the internet made its appearance. The use of technology created many opportunities and the explosive growth of an industry with the corresponding challenges to banks, governments, and regulators.

The book series (part 1 and part 2) is available in Amazon.

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In episode 2 we will explore the impact of technology in cross-border financial services and how inventions, mainly in communications, have created the payments revolution that we are witnessing. EFTs or Electronic Funds Transfers, were initiated with Telex, then came the Fax, then internet, and so on. Technology evolution built the cross-border payment industry.

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