Advantages of SWIFTNet FIN. Migration from connections to FIN on X.25 to SWIFTNet FIN will allow both to users and most SWIFT to cut the expenses by refusal of use of network X.25 and the out-of-date technologies accompanying the given protocol that already takes place in some countries. Combination of SWIFTNet and SWIFTNet FIN also is a step on a way to reduction of complexity of means of operational processing (financial transactions) and movement towards their optimisation. SWIFT - the co-operative society created under the Belgian legislation belongs to its members - more than to 9000 banks from 209 countries (2010). Theoretically for payment fulfilment in Europe it is enough to know a SWIFT code of a bank and IBAN code of the addressee. Connection details to the head financial organisation should be found out directly from the financial organisations giving similar service. The Service bureau has no right to send and receive SWIFT-message on behalf of its own so that excludes a competition with the financial organisations.