Only if your business is &quot;writing files in plaintext and SFTPing them.&quot; Payers are basically immune to technical disruption, and it&#x27;s really not worth the effort trying to create friendlier facades on what are essentially 1960s-era business and EDI processes. Someday they&#x27;ll catch up technically, but until then med-fin-tech startups are punching boulders uphill.<p>Do I sound bitter? I think I sound bitter.