Very informative article. It raises some interesting questions. One closer to now issue I've thought about is you know how President Trump is going to build a southern border wall and have Mexico pay for it. The plan is that either the Mexican government will write him a check for ten billion dollars, or, he starts taxing remittance fees from money Mexican migrants send back home to Mexico. That would be mostly Western Union fees, and they would amount to way more than ten billion, so right now it would seem in Mexico's best interests to just pay up. I know of at least one cryptocurrency project (VIVA) that is working on a system for people to be able to send cash around via text message, and I'm pretty sure there are other similar cryptocurrency projects. When any one of those projects is working and people can send cash anywhere they want with their smartphones, then Western Union will become obsolete. If this happens before President Trump gets a check from the Mexican government, then he will have to come up with a different way to pay for the wall.