Will SWIFT GPII succeed? This is because regulators and competitors are under pressure in the market to disclose payment details. Would a messaging platform provide a solution? This feels more like a band-aids for SWIFT than a solution for the world of finance. I understand that if you are responsible for global payments, SWIFT is probably the only way at the moment. When you work in research and development and innovation, you look at future technologies and you go down a totally different path that encompasses all payments than global payments. As I realize that everything is still ongoing, I would definitely invest in the technology of the future and not in a member-based messaging platform. Think of Uber and Amazon, for example, how their tech platforms have changed the user experience and how well accepted it is by younger and future generations. .