Now, I agree that WU is a bit of a nightmare, and preying to an extent on the poor, remittances, etc.; and that better fintech alternatives are required, such a

Now, I agree that WU is a bit of a nightmare, and preying to an extent on the poor, remittances, etc.; and that better fintech alternatives are required, such as TransferWise. However, part of the costs of course arise from supporting a) a branch network that also enables those without smartphone to use the service, and b) all the pesky KYC AML measures that Bitcoin conveniently circumvents.