"Premium Banking APIs are transforming global payments and cash management operations, which have historically been supported through archaic financial messaging formats, such as file-based host to host connections."

https://www.marketwatch.com/press-release/necto-unveils-premium-api-multi-bank-platform-delivering-real-time-cash-management-and-payments-to-clients-globally-ad67c978?mod=mw_quote_news