Almost all UK businesses trade with 1 or more of 5 banks. We were surprised to find that our system integrator had to develop two payment file formats for HSBC and Lloyds Bank - and for which we had to pay over £13,000. If you have thousands of D365FO installations in the UK, these BAI2 format files are going to be custom built hundreds of times over. Why not provide these templates with the standard product out of the box, or provide an area where we can share this work with other users?