I can really see why people would want to keep ISO8583, and I can see why it was a good option at the time, but its dated and it shows a lot. I agree with your

I can really see why people would want to keep ISO8583, and I can see why it was a good option at the time, but its dated and it shows a lot. I agree with your approach, if I didn't love my current job, I'd apply at Standard Treasury because its a good move. Baby steps into the industry with open interfaces and practices, people will catch on. The thing is, I think the power shift needs to go back to the banks from the vendors. If you can manage that convince them thats the way it should be, you'll win the market.