Insights

Writing on ISO 20022 and payment operations, and what we have been doing.

The long-form ISO 20022 essays also read as one series, in order.

Latest

• TxFlow - Launch of the Workbench!

  9 October 2026

  Address remediation for ISO 20022 with control and traceability. TxFlow Workbench brings the full remediation process into one place.

• No Swift deadline. Same problems.

  28 August 2026

  Swift deferred the structured postal address requirement on 27 August 2026. The deadline moved; the data problems behind it did not.

• ISO 20022 Postal Address Structuring — Vendor Benchmarking

  20 August 2026

  A benchmark of address-structuring solutions for ISO 20022 postal address remediation.

• Ready to let clients go?

  20 August 2026

  Payment investigations still cost 3%+ customer attrition, 5–8 days to resolve and an estimated $1.6bn a year across the industry.

• The cover payment is missing: from camt.110 to camt.111

  20 August 2026

  A real camt.110 investigation request traced to its root cause: the cover pacs.009 was never sent. With the corrective message and the camt.111 closure drafted.

• Investigations won’t keep pace with ISO 20022.

  9 June 2026

  Investigations won’t keep pace with ISO 20022. At least not as-is.

• Banca d'Italia on ISO 20022 to stabilize payments in a fragmenting world

  7 May 2026

  Fabio Panetta, Governor of the Banca d'Italia and Chair of the CPMI, frames cross-border payments as a geopolitical infrastructure question, with ISO 20022 as the common data foundation.

• “ISO 20022 is the hardest topic in payments today.”

  30 April 2026

  At Nacha Smarter Faster Payments 2026, leaders from Bank of America, the Federal Reserve Financial Services and Swift said the migration worked and the value has not arrived.

• ISO 20022 isn't complex. Your operations are.

  24 April 2026

  An ACI Worldwide paper argues ISO 20022 is the operating language across every major rail, and that translation layers keep institutions trapped in remediation.

• Unstructured addresses will break payments

  27 March 2026

  Swift's call to action on removing unstructured postal addresses, the preparation list it gives institutions, and what TxFlow was built to do about it.