My last article on the corporate standardized environment (SCORE) (see the technology role in SWIFT Corporate Access) explained what SCORE is and what options and challenges are questioning them. It then examined the difficulties of installing and maintaining the network provided by the Interbank Financial Telecommunications Corporation (SWIFT) and concluded that SWIFT, software providers and service providers needed to do more to help businesses get the most out of the new service. However, the section did not mention the banks; it assumed that banks, either because of customer pressure or through innovation, would support their customers` steps towards SCORE and away from their proprietary systems. Conclusions: Compared to previous studies, the Inter-Rater agreement on the diagnosis of transient cerebral ischemia with the precise system of diagnostic scores appears to be greatly improved. This value is the first to provide specific criteria for assessing the clinical relevance of imaging and diffusion lesions and to support the added value of magnetic resonance imaging in the evaluation of patients suspected of temporary ischemic attack. Reval, which uses Fides as the main corporate-bank connectivity solution, said: “In using the BIC from the Fides Agency, there is no need to sign a score agreement with the Bank. The score agreements specifically address the terms of use of a corporate BIC to connect to the bank via SWIFT. In the use of Fidesfide, the client uses the financial institution BIC of Fides, all BIC-to-Bank agreements are implemented by the Fides Agency and the client inherits all these relationships. The only paperwork a client must make for the use of BIC Fides is a mandate letter sent to the Bank, which states that he uses the Fides Agency BIC to establish a link with the Bank. Reval sends the model mandate to the client.┬áThis leads well to the single euro payment area (SEPA). SEPA is currently regulated by the banks themselves through the European Payments Council (EPC), which, with their new XML messages based on ISO 20022, have focused on interbank payment messages. The inclusion of these measures in the timetable would have provided urgent impetus, both for SCORE and for the involvement of companies in SEPA, many of whom have limited knowledge of what SEPA could do for them.

But even without THE EPC, SWIFT is making progress in developing these messages, which is very welcome, because without these standards, the work will simply be too difficult for some, even with simpler connectivity. But this is only Europe, SWIFT`s main area. The recent U.S. announcement that future payment infrastructure (in response to SEPA) will use STP800 instead of ISO 20022 seems unfathomable.