October 28, 2025

This insight stems from a survey from KPMG, relayed by Courtney H. Trimble during the panel “The Journey to Rich Data: What’s next for ISO 20022” held at Sibos 2025 [1].

Insights from the panel “The Journey to Rich Data: What’s next for ISO 20022” 👇

💰 Corporate benefits

– Utilities: analyze supplier spend and align with renewable energy infrastructure investments
– Insurance: combine structured address data with risk data for smarter underwriting
– Tax: IRS improved tax allocation using structured data
– Credit: structured remittance enables partial invoice payments, faster credits, fewer disputes (still under-adopted)

⚙️ Operational benefits

– STP improved from 99.3% to 99.7% (which is significant)
– Processing time cut by about 50%

📊 Data strategy

– Banks need a robust approach: capture, storage, governance, retrieval, usage
– Up to 40% more data per payment enables faster reconciliation, real-time treasury visibility, and new value-added services
– The data model will keep evolving, unlike legacy MT/FIN

🤖 AI × ISO 20022 : “Where the magic happens”, Courtney H. Trimble

– AI thrives on structured, high-quality data.
– Use cases: validation, cleansing, enrichment, fraud and AML detection, advanced analytics

→ ISO 20022 is not just a new standard, it is the key to turning payments into intelligent, compliant, and innovation-ready data.

🎥 Watch the Sibos session here.

🚀 At Alpina Analytics we build on exactly these insights.

We recognize the importance of ISO 20022 and the challenge of realizing its full potential. Our work focuses on providing the right tooling to source, store, analyze, and derive value from it.

– TxFlow transforms ISO 20022 and MT data into AI and BI-ready insights.

– TxAgent provides self-service intelligence powered by Agentic AI.

🎯 The real value of ISO 20022 lies not in the messages themselves, but in what you can do with them.

From transactions to actions.

References

[1] https://www.swift.com/news-events/events/swift-sibos/on-demand#realisingthepotentialofrichdata