From Transactions to AI/BI Ready Data

TxFlow — AI-Embedded Data Pipeline by Alpina Analytics

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

TxFlow transforms raw interbank messages into structured and enriched datasets ready for AI, BI, and regulatory reporting. It brings automation and intelligence into the data preparation layer, bridging the gap between messaging standards and advanced analytics.

Key Contributions

• Complete parsing: Extracts all blocks, sections, fields, and subfields from any message type into one consistent and machine-readable data model.
• Postal address structuring: Converts unstructured addresses into structured ISO 20022 formats to support compliance and automation.
• Simple API: Input the raw message and receive structured output, ideal for rapid prototyping and seamless integration.
• Structured output: Expands nested fields into JSON trees or SQL/Excel-ready tables for BI and ML workflows.
• On-demand enrichment: Adds time zones, geolocation, and entity recognition using AI-based enrichment logic.

See more in our Knowledge Base.

Example: Address Structuring

One of the toughest challenges in the MT-to-ISO 20022 migration is address quality. TxFlow transforms unstructured free-text addresses into fully structured ISO 20022 fields, enabling compliance automation and unlocking downstream AI applications.

The challenge continues even after migration:

• Need for structured postal addresses across all message types
• Growing demand for machine-readable formats and geo-coordinates
• Only AI-driven parsing and enrichment can address these complexities at scale

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Use Cases

Operations: Leaner and faster processes with standardized data.

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

Compliance: Faster, more reliable checks with enriched and structured data.

• Enhance sanctions screening by reducing false positives.
• Detect suspicious flows through AML and CTF monitoring with geo-location and AI enrichment.

Front Office and Treasury: Actionable insights from transaction data.

• Improve customer profiling with KYT and activity monitoring.
• Support treasury and corporate banking with liquidity forecasting and flow analysis.

Flexible Integration

• Transactional: Output consumable by your core-banking platform or Transformer engine.
• Custom Analytics: Deliver data to your preferred database or use Alpina’s recommended storage options.
• Modularity: Keep downstream usage fully under your control.
• AI Synergy: Combine TxFlow with TxAgent for natural-language analytics and reporting.

MT Is Not Dead

The global migration to ISO 20022 is reshaping payments, yet according to SWIFT many transactions remain out of scope. TxFlow supports both SWIFT MT and ISO 20022, ensuring business continuity today and future-proofing for tomorrow.

The MT standard remains essential 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.