AI-powered transactions: payments, trade and securities
Insights from the Sibos 2025 panel “AI-powered transactions: exploring how to navigate hype, hurdles and harvest in payments, trades and securities”.
✅ Where AI delivers value today
- Better fraud, sanctions and anomaly detection with fewer false positives
- Faster KYC, onboarding, investigations and exception handling
- Extracting and analyzing data from documents at scale
- Knowledge tools that improve research and client service
🚧 What still blocks adoption
- Data privacy and cross-border data restrictions
- Black box concerns in regulated environments
- Siloed data and limited budgets
- Fragmented regulation and evolving standards
🔍 How to prove value and trust
- Start with the business outcome
- Strong governance with explainability and auditability
- Track real adoption and iterate
- Engage business leaders early
🔮 What is next in the coming years
- Real-time financial crime detection
- Advisory and continuous client engagement with AI
- Automation of repetitive back-office tasks
- Extracting, analyzing and generating insights
🤝 What the industry needs
- Clear and consistent AI and data rules
- Collaboration across banks and tech players
- Payments rules as guardrails, and ISO 20022 as the data foundation
Thanks to Bohani Hlungwane from Absa Group, Baanu Ratneswaran from TD, Siddhartha Nadella from Google Cloud and Amit Mahajan from Swift.
Where we focus
At Alpina Analytics, this is exactly the gap we’re addressing. We’ve seen how tough it is for banks to turn ISO 20022 (and MT, for securities) data into something usable: consistent, structured, enriched, and ready for AI.
🌍 TxFlow helps institutions transform raw transaction data into AI and BI-ready datasets that power real-time analysis, compliance, and value-added services.
🔍 TxAgent provides analysts self-service intelligence built on agentic AI, enabling faster investigations, insights, and decision support. See the demonstrations.
🏅 Available on-premises or in your cloud of choice.
From transactions to actions.
🎥 Recording: Sibos on demand, Swift.