It's been smooth sailing upgrading for me. I think .17 was the one with the most pain for me? It's been a while but things have been relatively stable.
So is ISO20022 the future then? There should* be a standard system that all the networks stick to... instead of the hodgepodge of bullshit there is now.
I referred to it as "the woes" but yes I agree with your choice of words as well. As an experienced technology builder I generalize the struggles I vividly recall and it often involves parties not doing the real work and therefore they lack the comprehension of the details that are all that truly matters. This applies to a lot of things today, tech included, where most have no idea how anything works and the solution typically boils down to, did you power cycle it?
I got my last company certified with Visa and Mastercard for authorization and clearing. It's funny how they call it a standard but it's anything but that. There were some similarities but a lot of subtle differences which made the process 10X harder. Mastercard was the worst to deal with.
"Privacy is foundational to Amazon Halo, and multiple layers of privacy and security are built into the service to keep data safe and in customers’ control. Health data is encrypted in transit and in the cloud, and customers can download or delete their data at any time directly from the app. Body scan images are automatically deleted from the cloud after processing, so only the customer sees them. Tone is enabled by creating a personal voice profile, after which it begins capturing short samples of speech and providing insights and daily recaps. Speech samples are always analyzed locally on the customer’s phone and automatically deleted after processing—nobody, not even the customer, ever hears them. Learn more about Amazon Halo privacy features."
Playing devils advocate, but it doesn't sound like they retain any data unless you opt into a third party program. Also the emotional part sounds really creepy.
"For example, Tone results may reveal that a difficult work call leads to less positivity in communication with a customer’s family, an indication of the impact of stress on emotional well-being."
Yeah, no thanks. I don't need a machine to help me regulate my emotions. Coming to a dystopian future near you, a call center using Tone. "It appears you didn't sound positive enough in your last call! Please try harder or you will get written up."
I'm surprised they called it Halo. First thing I thought of was the video game from Bungie.