ISO 20022. Fix the data. Use the data.
Simple pattern. A decade-long programme. And we’re right in the middle of it.
Most institutions will complete the migration. Fewer will turn it into intelligence.
We will always need to fix the data. But with the MT/ISO migration on the way (yes, pain’s and camt’s are still coming), the nature of the work changes:
- Less translation
- More alignment within the standard
- More focus on making data usable for intelligence
Once the data layer is under control, the use the data era opens:
- Exceptions are resolved across the full chain
- Investigations get a full-resolution picture
- Payment flows can be reconstructed instantly
Financial institutions can finally focus on use cases:
- Operations become more efficient by delegating routine tasks to AI agents
- Compliance investigates faster and deeper with grounded AI assistants
- Treasury closes cash visibility gaps and predicts using ML on structured, reconciled data
That’s the transition we see happening.
Where we sit
🌍 TxFlow fixes the data: one-click address structuring and enrichment.
🔍 TxAgent uses the data: faster investigations and reasoning across the payment lifecycle.
Both are recorded on the demonstrations page.
Most will fix the data. Few will truly use it. We support institutions at both stages.