the network is based upon nightly batch file exchange. it's a terrible system for 2010. but it was not bad for its time, and hard to change the system impleme

the network is based upon nightly batch file exchange. it's a terrible system for 2010. but it was not bad for its time, and hard to change the system implemented by thousands of banks. also, there is a risk component of it. holding transactions for longer decreases risk.