Bank Statement Post API

Hello all,

Question... when are in the scenario where our bank provides us with CAMT053 format bank statement files. We are not using SAP MBC.

I'm wondering if the SAP best practice is to map the CAMT053 file that we receive in our middleware to the Bank Statement Post API, or if we should use a pass-through integration to then load the statement into SAP.

I'm inclined to use the API, and so is my integration consultant, but it seems wrong to develop mapping in the middleware from a standard file format that SAP can already read... It feels like I'm adding additional points of failure.

What are the expert suggestions on this?

Appreciate your input.

(this is On-Prem, but really question is also valid for Cloud).