The process of joining SWIFT should start with an internal cost/benefit analysis, says Bryan Kirkpatrick, vice president, senior product manager for treasury services and SWIFT expert at Bank of New York Mellon. What do you want to use SWIFT for? How much would it cost to do that? How much would you save? Some of those answers will come from talking with SWIFT sales or consulting people. Some may come from treasury peers. Together, you should be able to figure out if the business case is there.