Yes, significant efficiencies and cost savings, they alone would currently have 1000s of back office staff managing these transactions.
Plus there are also these cost savings
https://www.telegraph.co.uk/busines...money-laundering-sanctions-battles-clean-act/
SWIFT crucially wants to encourage innovation and ideas through start ups that enhance its service...your suggestion would destroy this type of innovation in an instant. SWIFT is owned and funded by 11,000 banks, if they decide they want identitii they can easily buy it.
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