I can't decide if the investors in R3 have no clue or if they are actually smart and are using this as an opportunity to modernise, unsettle the large networks,

I can't decide if the investors in R3 have no clue or if they are actually smart and are using this as an opportunity to modernise, unsettle the large networks, and also take the opportunity to pose as relevant. I'm leaning towards giving them the benefit of a doubt as there are plenty of 'trusted 3rd parties' that are charging the banks significant amounts of money. There are clearly some incentives here. As a technical decision, it makes zero sense though. I have tried to figure out if a shared distributed ledger could reduce the huge deposited reserves for fast money transfer, but I doubt it unless the central banks are in this somehow.