The ISO 20022 series

10 essays on what ISO 20022 makes possible once the migration is done, written between October 2023 and January 2026. In reading order rather than newest first.

  1. ISO 20022 — An enabler for AI (and BI)

    In the world of finance, data is the lifeblood. It fuels decisions, drives innovations, and secures the flow of money. Amid this data-driven landscape, ISO 2...

  2. ISO 20022 — Navigating rich semantics

    ISO 20022 is a strategic data asset, but its complex structure and granularity make it hard to navigate. How to work with the semantics rather than around them.

  3. ISO 20022 — Address structuration

    Benchmarking large language models against specialist ML and NLP packages for structuring postal addresses, and why more real-life bank data is needed before drawing conclusions.

  4. ISO 20022 — Road to (data) riches

    In March 2024, the entire SEPA Single European Payment Area is undergoing a significant upgrade, migrating from ISO 20022 version V02 to version V09. This up...

  5. ISO 20022 — Front-to-back-to-front

    For decades, the banking sector has been divided into two distinct realms: the glamorous front office, where savvy relationship managers woo clients and clos...

  6. ISO 20022 — A ready-to-use Knowledge Graph?

    Turning ISO 20022 XML into a knowledge graph with an LLM, and querying it in plain English: what four models produce, and where Graph RAG helps.

  7. ISO 20022 — Visualization

    This article presents an innovative visualization tool for ISO 20022 data, allowing users to easily explore complex financial information. By offering views...

  8. ISO 20022 — De-risk your migration

    Migrating to ISO 20022 unlocks operational efficiency and deeper transaction insights, while paving the way for high-quality AI-powered services.

  9. ISO 20022 is not a format change. It’s a data shock.

    For years, ISO 20022 was described as a technical migration. An upgrade. A schema change. A regulatory mandate. Now a major milestone has finally been reached.

  10. TxAgent: An ISO 20022 AI Agent Industrialized with Massive Parallel Testing

    Banks and large enterprises are under pressure to accelerate payments investigations with AI across Compliance, Treasury, and Operations. Not just faster fin...

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