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I think some of the smaller banks still have people interacting with the ACH. At least that is my impression from planet money http://www.npr.org/sections/money/2013/10/04/229224964/episo...


The dates are probably hard-coded in Fortran and no contractors will touch the core of the banking operation with a 1024PB pole.


The language would more likely be COBOL.


Fortran is a scientific language, and is not used in banks and financial transactions.


All banks have lots of people interacting with ACH.




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