Hey catapart, thanks for your comment.

You're right. Accepting credit card payments over the internet is usually done handled by black-box third party payment processors.

Bank payments, like ACH, SWIFT, and others are usually built in-house by companies that move money at scale, like payroll providers, insurance companies, and other old school institutions.

As companies that do heavy financial management refresh their architecture and move to modern web servers and the like, they'll likely need to rebuild it from scratch. This is what iso20022.js plays a small part in - if they're building on Node this is a convenient library for them to use.