IBM and Stellar challenging Ripple with global payments system

Unlike many industries which are still trying to figure out how to use cryptocurrency to enhance their services and progress their technology, global banking seems ripe for the picking since it’s a natural fit for blockchain. Bitcoin would seem like a contender, but with concentrated mining operations centered in Asia, and doggedly slow transaction speeds, a newer, more efficient and more decentralized coin will eventually fit the bill. And IBM may have a solution. 
To solve the speed