Payments systems set up decades ago continue to be used sometimes retrofitted, sometimes force-fitted—to meet the needs of modern corporations. And, not infrequently, the systems creak and groan as they bear the strain. As an example of such systems includes, STEP2 (an upgrade from 2003) processes only Euros and TARGET2 (an upgrade from 2007) is closed on Saturdays and Sundays and some public holidays.