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@cashdragon

All that says is somewhere between your last 2 replies you actually finally looked up ISO20022 & realized it's a big deal. That's how you went from "it'll comply to them" to "well um they're gonna do it." Got it.

It can take several mos to a couple yrs to gain compliance & I didn't see anywhere in your materials that they're working on it. Because they're not. Which means they are left behind.

Like I said before- you're playing a micro game is a macro world. Be more ambitious.