August 13, 2026

Payment investigations still mean:

* 3%+ customer attrition linked to poor E&I experiences
* 5–8 days average resolution time
* $1.6bn estimated annual industry cost

Source : Deutsche Bank’s Guide to ISO 20022 exceptions and investigations (E&I) migration and case orchestration.

“ISO 20022 is a generational shift […]. The cost of inaction [on E&I] far outweighs the investment required to lead this change.” Joanne Hannaford

“Our ultimate goal is to deliver a superior and more transparent experience for our clients.” Ciarán Byrne

There’s no excuse not to act.

1) ISO 20022 : data foundation.
2) Swift Case Orchestrator : orchestration.
3) AI : reasoning.

We spent years connecting those three layers. You don’t have to.

Our goal is not to create a new agent every time a new exception appears.

It is to build one flexible investigation agent that can adapt from simple Payment Operations lookups to deeper investigations across red-flagged payments in Compliance, including sanctions, fraud and AML.

That is what we built with TxAgent :

* Payment lifecycle analysis
* Root-cause identification
* Evidence gathering across systems
* Resolution preparation for human review

Want to see TxAgent in action ? Let’s talk.