Government leaders, policymakers, and a host of incumbent and new providers are focusing on cross-border payments. Innovating to increase transparency, lower cost, and make funds available in near real-time is showing up on agendas and roadmaps across the globe.

Money and resources are being thrown at this problem from every possible angle. Yet friction points persist. Money does not get to beneficiaries with equal speed. Costs remain high and hidden. Compliance screening and due diligence create delays.

Ryan Zagone, Head of Americas for Wise for Banks, and Glenbrook's Joanna Wisniecka join Yvette on this episode of Payments on Fire to raise a fundamental question: Is technology the whole answer? And if it isn't, what is?