The payments industry is moving towards the G20’s 2027 and 2030 targets for faster, more transparent and inclusive cross-border payments. ISO 20022 has emerged as a foundational enabler of that shift. However, many financial institutions are still treating it as a compliance exercise rather than a strategic opportunity.
At EBAday 2026, Antoine Cuypers, Director Strategic Alliances & Key Accounts at Vyntra, will explore the next horizon of ISO 20022, focus on what comes next and how payment service providers (PSPs) can turn ISO 20022’s enriched data into measurable business value.
“Compliance is just the entry point,” says Antoine Cuypers. “The real advantage comes from how you operationalize ISO 20022 data across the payment lifecycle.”
That opportunity is growing quickly. Instant payments are becoming dominant, with volumes continuing to rise and customers expecting payment data to be used intelligently to improve service and reduce financial crime. ISO 20022 introduces structured and enriched data that can transform operations from initiation through to reconciliation and reporting.
One of the most immediate areas of impact is fraud detection and investigation. Richer, standardised data allows for more precise monitoring, enabling institutions to identify anomalies faster and reduce false positives. When combined with end-to-end payment flow visibility, this creates a step change in how quickly issues can be detected, investigated and resolved.
This is where Transaction Observability becomes essential. Vyntra enables financial institutions to track payments across systems and networks in real time, applying ISO 20022 data to surface anomalies, monitor SLAs and provide full visibility into transaction flows. The result is better fraud detection and faster root cause analysis with improved customer outcomes.
ISO 20022 also unlocks significant gains in reconciliation and operational efficiency. Structured data fields reduce ambiguity and manual intervention, allowing higher straight-through processing rates and more accurate automated matching. For institutions managing high volumes of transactions, this directly translates into lower costs and improved performance.
However, unlocking these benefits requires more than technical migration. Challenges such as hybrid or unstructured address data continue to create friction, particularly in cross-border payments where consistency is critical. Addressing this demands a stronger approach to data standardisation, enrichment and governance.
“Having the data is one thing,” Antoine Cuypers adds. “Being able to observe, interpret and act on it across the entire customer journey is what creates value.”
The next phase of the ISO 20022 journey will be defined by how effectively institutions build value-added services on top of the standard. Advanced analytics, improved client transparency and seamless cross-border integration are immediate priorities. Increasingly, the ability to harness ISO 20022 data in real time will separate market leaders from the rest.
For Vyntra, this is the core of the conversation at EBAday. Transaction Observability connects enriched ISO 20022 data with real-time monitoring, anomaly detection and SLA management, giving institutions the visibility they need to move from reactive operations to proactive control.
ISO 20022 is not just a new messaging format. It is a data opportunity. Institutions that treat it as such will be the ones that reduce risk, improve efficiency and deliver better customer experiences.
Vyntra at EBAday
At EBAday 2026, Vyntra will demonstrate how that shift happens in practice. Join us to see how Transaction Observability turns ISO 20022 data into actionable insight across every payment flow.
