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Multi-Bank Connectivity: usual "banking partner"

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Good afternoon,

Here I have read that we have two options. We could go through the usual banking partner or using the SWIFT connections.

As far as I can see, we will depend anyway in a third party (SWIFT or a service bureau). In non on the cases there is a host to host connection. In the first option, for example, which is the benefit? why does it simplify the connectivity if at the end we continue depending on a third party?

Regards,

Daniel

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