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FWIW, Swift (the company behind the interbank payment system) has been developing and pushing ISO 20012 as an XML-based long term replacement for their Swift me
by tannhaeuser 9y ago
FWIW, Swift (the company behind the interbank payment system) has been developing and pushing ISO 20012 as an XML-based long term replacement for their Swift message format, though it's not designed as a replacement for ACH.
For that, there was HBCI years ago (also XML); don't know if it's used much still.
- perlgeek 9y agoIf I remember correctly, HBCI is often used for consumer banking software to get account data from the bank.