But you can alter them using built-in functions of the keyboard and save the altered versions to user memory or to a USB drive or, for some keyboards, to an internal hard drive. The preset files are always available in the keyboard. If you create and save a song, you have created a song file (often referred to as a 'midi' file.) If you create and save your own registration bank, you have created a registration file. The Music Finder database is a file containing many Music Finder records.
Every one of the preset styles is, in fact, a style file. All of the Yamaha arranger keyboards come with 'files' built right into the keyboard.