The difference is clearly that banks have a different agenda from central banks.

SWIFT is a cooperative of banks also but it seems that some central banks endeavours are better. BTW Argentina created an innovation back in the early 2000s as a product of a crisis. It was implemented in record time and transfers were immediate back then and improving. It's not run by the central banks though.

Bit like Moldova automating government because there simply was no money for armies of overpaid burocrates.