Interbank payment systems are financial infrastructures that facilitate the transfer of funds between banks or financial institutions, and can be domestic or international services. Examples of internationally established systems are India's UPI, Russia's SPFS, and China's CIPS). The SWIFT (Society for Worldwide Interbank Financial Telecommunication) network is one of the largest and most widely used financial messaging networks in the world. It connects more than 11,000 financial institutions, including banks, securities firms, and corporate customers