How many copies of a payment transaction record?

I am curious to know approximately how many copies of a payment transaction record are stored across all systems across all parties involved in the payments sector. 

Based on a simple and rough calculation I think it is a minimum of 60 copies of each payment transaction. Of course every party doesn't have access to every field (column or data point) and has access only to that part of the record which it is authorized to have access.  So, it looks like we (all parties combined) use at least 60 times more storage than it is required to store a payment transaction record. I'm open to learn from others if I have missed some parties / systems / data layers.



And is there a possibility to centralize storage across all parties to store it once and to provide access to parts of the records to parties / systems instead of duplication? May be a point to think. 





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