Can a individually theoretically be shut out from ISO20022 interactions in one country but allowed in another?

Yes, theoretically, an individual might face different interactions or access to ISO 20022-based financial transactions in different countries. ISO 20022 is a global standard for financial messaging, but its implementation and adoption can vary among countries and financial institutions.

There could be various reasons why an individual might face limitations or restrictions related to ISO 20022 interactions in a specific country:

Regulatory Differences: Each country has its own financial regulations and standards. Some countries might have more stringent regulations regarding financial transactions or might not have fully adopted ISO 20022 standards yet. This could potentially limit or affect an individual's interactions with ISO 20022-based transactions in that country.

Bank or Service Provider Policies: Different banks or financial service providers within a country might have varying timelines or strategies for adopting ISO 20022. Some institutions might have already implemented the standard, while others might still be in the process of transitioning. Therefore, an individual's access to ISO 20022 interactions could depend on the specific institution they are dealing with.

Technical Infrastructure: The readiness of a country's technical infrastructure to support ISO 20022 transactions can also play a role. Countries with more advanced technological infrastructure might have smoother and earlier transitions to ISO 20022, while others might take longer to upgrade their systems.

Geopolitical Factors: Geopolitical factors, international agreements, or political decisions could also influence how ISO 20022 standards are adopted or implemented in different countries.

So, it's plausible that an individual might experience differences in their ability to interact with ISO 20022-based transactions depending on the country's adoption status, regulatory environment, and the policies of specific financial institutions they are dealing with. This variance in implementation and adoption across different regions is not uncommon when it comes to global financial standards like ISO 20022.