From Transactions to AI/BI ready data

Banks sit on a goldmine of interbank data in the form of SWIFT MT and ISO 20022 messages. Every message flow holds insights, and when aggregated they reveal patterns in business processes, liquidity, risk, client activity and counterparty behavior. Yet in raw form this data is complex and fragmented — leaving value untapped.

TxFlow transforms raw interbank messages into clear, structured, enriched datasets, ready for AI, BI and regulatory reporting.

Key contributions

• Complete parsing: Extracts all blocks, sections, fields and subfields from any message type¹ into one consistent data model.
• Postal address structuring: Converts unstructured addresses into structured ISO 20022 formats for compliance and automation.
• Simple API: Input only the raw message, ideal for rapid prototyping and easy integration.
• Structured output: Expands nested fields (common in MT5XX) into JSON trees or SQL/Excel-ready tables for BI² and ML³.
• On-demand enrichment: Adds time zones (from BIC⁴), geolocation and entity recognition.

See more in our knowledge base.

Example: Address structuring

One of the toughest pain points in the MT-to-ISO 20022 migration is address quality. TxFlow can transform unstructured free-text addresses into fully structured ISO 20022 fields, enabling compliance and unlocking downstream automation.

The challenge will remain even after the MT-to-ISO migration:

• Convergence to structured postal addresses across all message types
• Need for fully machine-readable formats, including geo-coordinates, beyond ISO definitions
• Only AI-based engines, coupled with geo data, can reliably solve these complexities at scale

▶ All public demos here

Use cases

Operations: Leaner, faster processes with standardized transaction data.

• Payments – Improve data quality and readiness for ISO 20022 adoption (e.g. CPBR+, SEPA, CHAPS, MEPS+).
• Securities – Streamline settlement matching and reporting (CSDR⁵).

Compliance: Faster, more reliable checks with enriched data.

• Improve sanctions screening by reducing false positives.
• Improve detection of suspicious flows with AML⁶/CTF⁷ monitoring and geo-location.

Front office and Treasury: Actionable insights from transactional data.

• Enhance customer profiles with KYT⁸ and wealth monitoring.
• Support corporate banking with treasury visibility and forecasting.

Flexible integration

• Transactional: Output consumable by your core-banking platform or Transformer engine.
• Custom Analytics: Deliver data into your database of choice, or use our recommended storage options.
• Modularity: Keep downstream usage fully in your hands.
• Tailored AI/BI: Combine TxFlow with TxAgent for natural-language analytics and reporting.

MT is not dead !

The global migration to ISO 20022⁹ is reshaping payments. But according to SWIFT¹⁰, many transactions remain out of scope, and banks will rely on the SWIFT MT 15022¹¹ standard for years. TxFlow supports both MT and ISO 20022, ensuring continuity today and future-proofing for tomorrow.

The MT standard will remain critical for:

• Securities post-trade
• Clearing and settlement
• Corporate actions
• FX
• Treasury and trade finance

More details on TxFlow features here and on cloud integration here.

1. With exception of MTx99 that can be included if required
2. Business Intelligence
3. Machine Learning
4. Bank Identifier Code
5. Central Securities Depositories Regulation
6. Anti Money Laundering
7. Counter Terrorist Financing
8. Know your Transactions
9. https://www.iso20022.org/
10. https://www.swift.com/standards/iso-20022-programme
11. https://www.iso20022.org/welcome-iso-15022