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Yes, but surely it's possible to jump straight to REST or beyond.

Of course it's possible.

I mean, arbitrarily picking whatever happens to be a popular comms protocol, with no regard to its functional validity, was how they got to SOAP in the first place.

Probably the only thing stopping them will be the byzantine budgetary processes that quasi civil services have.

If you're willing to invest a gazillion dollars:

- re-implementing all the processes at the receiving bank

- re-implementing all the processes at the sending bank

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