Thanks to the fact that our banking industry in Australia... outdated (which is the politest word I could think of when describing the banking industry)... to do a certain kind of transaction our bank requires us to use a dialup modem and send serial data to them.

When reading through their documentation (last update: 1995), they state that any "Soft Modems" (by which I assume they mean internal modems, as they refer to a AMR socket on a motherboard, which I haven't seen in donkeys years) should not be used because of "possible incompatibilities"

Seeing as buying an external, serial-port modem is actually quite expensive these days and I have a whole box of PCI modems taken out of a bunch of Dells I really don't want to have to buy an external modem. Additionally I think their documentation is simply outdated.

Has anyone had experience with internal modems causing issues, where an external modem didn't?