ISO 20022 - Data monetisation
After years of mapping, testing and retrofitting, November’s compliance deadline is not the finish line.
It is the starting point.
Here is a digest of what emerged from the “Efficiency and data monetisation cases for ISO 20022” non-bank panel at Sibos 2025.
✅ Use cases, beyond compliance
- Converting unstructured addresses and remittances into structured data
- Real-time ERP to bank flows for forecasting, reconciliation and payments
- Using ISO data for fraud detection, liquidity insights and anomaly alerts
- Request to Pay and e-invoicing enabling automated B2B flows
- More transparency in correspondent banking through richer party data
- Corporate pilots on supply risk, portfolio visibility and intercompany flows
🚧 Gaps, what still blocks execution
- Misaligned release cycles across ERPs, banks and CSMs
- Need to shift from converters to ISO-native systems
- ERP and last-mile readiness still behind
- Need for a golden source of rich ISO data
- APIs and AI needed to enrich and interpret data, not just transport it
- Cultural shift from compliance to value creation
- Leadership commitment and new talent required
🔮 Leaders vs laggards, three-year outlook
- Leaders will turn ISO 20022 into value.
- Laggards will stop at compliance and pay the price.
Thanks to Hubertus von Poser from PPI AG, Marcia Klingensmith from FinTech Consulting, Anton Ruddenklau from KPMG and Julie Bolan from Swift.
Where we focus
At Alpina Analytics we work on exactly this gap: turning ISO 20022 and MT data into tangible use cases.
🌍 TxFlow prepares payments data for analysis, parsed, structured and enriched so it can flow cleanly across systems and support use cases like reconciliation, liquidity views or ERP reporting.
🔍 TxAgent helps analysts work with that data more easily, surfacing patterns, counterparties and anomalies without manual digging.
🏅 Deploy on-premises, or in your cloud of choice.
ISO compliance gets you live. Using ISO to deliver insight is what separates the winners.
🎥 Recording: Sibos on demand, Swift.