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ISO 20022
Preparing you for the future of payments
ISO 20022 brings faster, more transparent transactions. Understand the implications and benefits.
Adopting ISO 20022
The global payments sector is entering a new era. The adoption of ISO 20022 – a global and open messaging language for payments – will bring richer data and more detailed information to the financial services industry.
The move to ISO 20022 is being championed by SWIFT and adopted by major payment market infrastructures for high-value payments systems and cross-border payments across the world. And with ISO 20022 set to dominate high-value payments (supporting approximately 80 per cent of volumes and 90 per cent of transaction values worldwide over the next few years), this shift will have a wider impact across financial services than any other current initiative.
The global HVPS+ taskforce has published a roadmap towards ISO 20022 harmonisation, setting a common standard for payment data. SWIFT’s cross-border payments and reporting (CBPR+) working group has also published usage guidelines for adopting ISO 20022. Nonetheless, implementation will have differing implications for corporates and financial institutions – and we’re here to help with your transition.

Webinar
Beyond compliance: Turning ISO 20022 readiness into payment resilience
ISO 20022 is more than a messaging standard. It represents a shift towards richer, more structured payment data that can strengthen transparency, automation, reconciliation and operational resilience.
In this webinar, David Rego, Global Head, Core & Foundational Payments, and Sindhu Anakkara Vadakath, Head, Host-to-Host Channels & 3rd Party Connectivity, explain what ISO 20022 structured address requirements mean for corporates and financial institutions. They examine the practical implications across payment data, beneficiary information, operational processes and key payment initiation channels, including Straight2Bank Web, Host-to-Host connectivity and API Banking.
Speak with your Standard Chartered Relationship Manager or Client Service Group contact to discuss the specifications and readiness approach relevant to your organisation.
Hear from us
In our ISO 20022 Made Simple podcast series, we invite industry experts to dive deep into how this game-changing messaging standard is revolutionising payments, risk management and more. Subscribe wherever you get your podcasts to keep up with our latest episodes.

Episode 7
Unlocking the Full Value of ISO 20022 at Inchcape
In this episode, Treasury Management International’s Eleanor Hill sits down with Hannisel Obedicen and Suki Teh from Inchcape, and Jessica Fon, Executive Director for Payments and Treasury Solutions, to explore how corporates can turn the transition to ISO 20022 into a strategic advantage.
They discuss why ISO 20022 is far more than a payments messaging upgrade, how it is enabling organisations to unlock richer data, streamline reconciliation, strengthen automation, and gain greater visibility over cash flows.
Listen on Spotify and Apple for practical insights from the front line and how forward-looking treasurers are using the migration to enhance efficiency, improve reporting, and create lasting value across the finance function.

Episode 6
What does ISO 20022 mean for Banks and Corporates?
In this episode, Danielle Johnson, Head of International Payments and Market Management at Westpac, joins Vibhor Narang, Executive Director for Structured Solutions in Cash Management and Danielle Sharpe, Head of Global Clearing Product, both at Standard Chartered, to discuss the impact of the ISO 20022 transition on corporate and bank clients.
They explore how multinational corporations and financial institutions are utilising ISO 20022 to revolutionise their operations, highlighting both the opportunities and challenges involved.
Tune in to the video podcast here or listen on Spotify and Apple.

Episode 5
What ISO 20022 means for people, not just systems
As the financial industry shifts toward ISO 20022, the transformation isn’t just technical — it’s human. This episode examines how banks and financial institutions are preparing their people to thrive in a new messaging paradigm. From product managers to compliance officers, from technology teams to operations leads, ISO 20022 is shaping the next generation of roles, skills, and team structures.
We explore how organisations are upskilling staff, rethinking cross-functional collaboration, and building the human foundation required to unlock the full potential of structured data and enriched payment flows. This episode is a timely and necessary look at the people behind the pipes — the professionals who will translate ISO strategy into real-world impact.
Tune in to the video podcast here or listen on Spotify and Apple.

Episode 4
Global standard, regional realities
Join us in this insightful episode as we delve into the global implementation and adaptation of ISO 20022, the international standard for electronic data interchange between financial institutions. Our expert guests, Joanne Fraser and Camilla Bullock, provide a comprehensive analysis of how different regions are embracing this transformative standard.
Tune in to the video podcast here or listen on Spotify and Apple.

Episode 3
Navigating the ISO 20022 Migration
ISO 20022 isn’t just a messaging standard. It’s a catalyst for unlocking value across the payments ecosystem. In this episode, we zoom in on the practical realities of migration. We explore what exactly is migrating and when, break down key timelines and resource considerations, and discuss the common challenges banks face-from technical integration to operational disruptions. We will also look at the surprises that have emerged along the way, share insights on how banks are adapting, and highlight tools and strategies that can help institutions navigate the journey more smoothly.
Tune in to the video podcast here, or listen on Spotify and Apple.

Episode 2
Artificial Intelligence X ISO 20022 = A Perfect Match?
Can AI unlock the full potential of ISO 20022? This episode focuses on how Artificial Intelligence (AI) can enhance the efficiency and accuracy of ISO 20022 message processing. Our speakers will deep dive on specific AI applications and discuss the potential ethical concerns and regulatory implications. We will also look at the emerging AI-driven technologies and innovations.
Tune in to the video podcast here, or listen on Spotify and Apple.

Episode 1
Enhanced Data = Enhanced Risk Management
The future of financial crime prevention starts with better data. This episode delves into how ISO 20022’s richer data formats and standardised messages can improve compliance, risk management in correspondent banking flows. We cover the benefits which makes the process more effective, as well as sanctions screening, fraud detection and AML checks.
Read the accompanying article here or tune in to the video podcast here.
Featured guide

Unlock the value of ISO 20022
ISO 20022 is more than a messaging upgrade; it’s a new language for financial communication that is built on enriched, structured data that drives innovation, enhances compliance, and increases transparency in the payments ecosystem.
This guide will help you navigate the complexities of this transformation to unlock its full value.
Why migrate to ISO 20022
Useful resources
Whether you’re after technical spec documents or implementation guides, we’ve got you covered.

Whitepaper
Frictionless reconciliation and allocation of cash
Can the adoption of ISO 20022 XML turn this dream into reality?
Read our whitepaper to find out.
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