SSIS is the way to go IMO.
Here at work we have some sort of dynamic SSIS implementation, where the control data is stored in sql server, allowing new file formats to be easily added without having to re-deploy the SSIS package for each additional file format.
I'm not too sure how it was done (before my time, and SSIS is pretty much an unknown for me), but it is very flexible and fast to the bargain.
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