As 2018 comes to a close, what industry-wide trends can we look forward to in 2019 on the FinTech front? 

Ripple’s Value Proposition: Help financial institutions process customer’s transfers (payments) anywhere in the world reliably, cost-effectively, and instantly.

Numerous trends and technologies are intersecting now that will take payments past a future state of a cashless and paperless transactions, to a completely open, digital world marketplace.

Western Union and Moneygram are widely known names in the payments sector of finance. As technology rapidly disrupted financial services over the last 20 years, FinTech (financial technology) companies have emerged globally to provide a simple, low-cost alternative to well-established agencies.

When it comes to cryptocurrency, everyone already knows about Bitcoin and some are familiar with Ethereum, but what about Ripple?  As the 3rd largest crypto by market cap, Ripple has risen to fame with its promise of real-time, low cost global transfers - - but, how close is the company and its currency (XRP) to realizing this potential?