Date of Defense

4-23-2026

Date of Graduation

5-2026

Department

Marketing

First Advisor

Sime Curkovic

Second Advisor

Stephen DeVries

Abstract

The global supply chain has become increasingly complex and important in recent years. As businesses try to make more money, they are searching every aspect to save costs. This study aims to evaluate whether blockchain technology such as the XRP Ledger (DLT) paired with RippleNet can improve cross-border payments within a company’s supply chain. Using a qualitative research approach of analyzing current systems like SWIFT and the correspondent banking network, new technology, and present-day case studies, we can see that businesses have been experiencing an old system that is costly, slow, and inefficient. Additionally, the findings show the significant advantages that DLT can offer with settlement speed, liquidity, cost reduction, and payment visibility. Although there are still certain challenges with regulatory uncertainty, limited adoption, and more prominent competitors, the evidence suggests that the technology is still superior in many ways and would positively impact a business’s supply chain, especially smaller businesses. Larger firms may be more cautious to adopt DLT due to the new nature of it. Additionally, recent US legislation may clear up some misunderstandings on what is allowed legally. This study contributes to providing a clearer understanding of this new solution to international payments, and highlights areas where future quantitative research is needed.

Access Setting

Honors Thesis-Open Access

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