[lxgr]

Why would it matter to Visa and Mastercard what SWIFT and India (The central bank? The entire country?) are doing?

They run their own networks and everybody that wants to connect to them has to speak their protocols (which are completely custom btw; it’s out of the question to just swap out one for the other!)

> get schema files and punch your programming button and generate a lot of the necessary code and then do the plumbing and call it a day

Absolutely not. Parsing ISO 8583 is maybe 5% of the complexity of card processing (and that’s being generous). Sorry, but you seem to have absolutely no understanding of an industry you are making confident statements about.

[cess11]

Because they interact with banks and banks interact with them. If they refuse to support the protocols the banks use, what happens?

Sure, there's 3DS and blah blah blah, so what? 8583 is getting replaced and implementing 20022 is a breeze compared to 8583 for the specific reason I mentioned.