In the mid-2010s, the financial world was obsessed with disruption. Silicon Valley darlings like Venmo, TransferWise (now Wise), and a flurry of blockchain startups promised to kill the "antiquated" wire transfer. By circa 2016, Western Union—a brand synonymous with money transfers for over 165 years—found itself at a critical crossroads. It was no longer just competing with the agent down the street; it was fighting for relevance against algorithms, apps, and the looming shadow of cryptocurrency.
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Simultaneously, (WU’s eternal rival) was bleeding market share and looking for a buyer (it would eventually find Ant Financial, though the deal later collapsed). Ria Money Transfer was aggressively undercutting prices in the low-end corridor. In the mid-2010s, the financial world was obsessed
Urgent cash transfers to remote locations. Avoid for: Non-urgent bank-to-bank transfers where lower fees are a priority. It was no longer just competing with the
