You don’t get smarter just by standing in the middle of the field, you get smarter by reading what the field publishes. McKinsey & Company‘s Global Banking Practice has a short 21-page report called: A Vision for the future of Cross Border Payments. This is a report done jointly with SWIFT.
One particular image that stuck out was this one (see below). How much has changed? You decide.
The report (21 pages, PDF) can be downloaded from here. (No registration required). Report publish date: