I am quite a fan of Andreas Antonopolous. I have seen numerous videos of him on YouTube and his enthusiasm for bitcoin is fantastic. I have heard him say before that bitcoin is a threat to Western union and in the latest video I watched of him (brilliant BTW) he again mentioned Western union.
"We are going to see bitcoin impacting remittances long before we see it impacting retail. We are not going shopping with bitcoin, we are taking out Western union."
https://youtu.be/SEJGFY0iDUwHe mentions that UK to the Philippines is a major remittance route and bitcoin ATMs are facilitating this today and hints at a 1% fee but I believe that bitcoin ATMs have higher margins than this. If this is happening, where is it happening and how can we speed it up?