The strict observance of joint coordinated standards at overarching applications is an essential prerequisite for the smooth functioning in everyday application.

The corresponding standardised types of messages were developed by us with the co-operation of all Austrian banks. These types of messages are valid throughout Austria.

XML as a "data format" is on everybody's lips is an universal format for structured documents and data. Thereby, content, structure and depiction are separately defined from each other.

XML is "web-enabled", meaning it can be visualised in web browsers. Also desirable is usually the availabilty of a so-called Stylesheet (XSL), which makes longer XML-messages readable for the user.