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Re:How ACH works: A developer perspective (2014) by DaiPlusPlus on Friday August 25, 2017 @02:28AM (#15096562)
> It's hard to believe fixed width files are still being used today. Parsing these kind of files with 45 million records, each 600+ bytes is a huge pain. I chuckle when I think about the first time I dealt with these files and thought I could open them in an editor...

Depending on the business-application, fixed-width formats are fantastic because they allow for genuine O(1) random-access to records without needing to precompute an index first. Writing parsers for fixed-width formats is also much simpler, for example, because it eliminates ambiguity around null-terminators vs length-prefix in text/string/array data - for resource-constrained environments it's great because you can guarantee you won't need to dynamically-allocate buffers. I feel the only real arguments against fixed-width records are concerned with wasted space - which are mitigated if your system lets you compress them somehow - because they'll typically compress very, very well.

Re:How ACH works: A developer perspective (2014) by krylon on Friday August 25, 2017 @04:11AM (#15096954)
> I feel the only real arguments against fixed-width records are concerned with wasted space

Sometimes, fields can turn out to be too short. I have received a few letters from business with my last name truncated, because somebody way back when decided eight or nine characters are definitely enough for a surname.