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All the banks are busy with new SWIFT changes coming into effect sometime soon. Probably a release that went wrong.
Still, if you work on a critical system like credit cards etc that requires 24/7 uptime then this is unacceptable. The junior who made the mistake should be reprimanded, the guy who approved the change should be given a written warning and the testing staff be fired/made an example of.
FNB is in year end change freeze. I highly doubt a change was put in that caused this.
So is Standard Bank and we're still releasing because of regulatory changes. But you might be right, most of Standard's downtime has been due to data centre and hardware failures. Then again, if it was a hardware issue you'd see more than just credit cards become unavailable.