A fun thing that comes up again and again in finance is path dependence of technology choices. Example: https://www.zengin-net.jp/en/announcement/pdf/announcement_20161110_summary_e.pdf …
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Absolute ubiquity of zenkin (approximately ACH) is in the interest of all banks. A few banks can't do 24/7 because of legacy mainframes.
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(I, um, probably bank at one of them.)
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