ISO 20022
The payments industry declared victory on ISO 20022 adoption. But format compliance without data readiness is a pattern I’ve watched repeat for 30 years—and it always ends the same way.
ISO 20022
The industry frames hybrid vs. structured as parallel options. They're not. Hybrid is a subset of structured. Here's what that means for your ISO 20022 migration.
ISO 20022
Structured addresses are mandated under ISO 20022. Hybrid is the minimum fallback — not an equal alternative. Here's exactly what EPC 153-22, SWIFT CBPR+, and CPMI Requirement #11 require, with direct citations.
Address Intelligence
SWIFT stops accepting unstructured addresses. EPC schemes start rejecting. And the implementation window is already shorter than most institutions realise.