Ah, such youthful ignorace.
You just classified probably every single bank in existence as "unserious organization"
You just classified probably every single bank in existence as "unserious organization"
In terms of interchange formats these are quite popular/common: EDI (serialized as text or binary), CSV, XML, ASN.1, and JSON are extremely popular.
I 100% assure everyone reading that their personal information was transmitted as CSV at least once in the last week; but once is a very low estimate.
Not because they use CSV's but because, as an industry, they have not figured out how to reliably create, exchange, and parse well-formed CSV's.
An organization that cared about data integrity absolutely could make CSV work. But that same organization would not use CSV because there would be no point in putting themselves through that kind of Mickey Mouse exercise.