ISO 20022 for Instant Payments: Rich Data that Finally Pays for Itself
About This Course
Many institutions completed their ISO 20022 migration and checked the box. Few have asked what to do with what comes next. ISO 20022 carries significantly more structured data than legacy payment formats, including detailed remittance information, purpose codes, and counterparty identifiers. That data has real commercial value, but only if institutions know how to capture, interpret, and package it for clients.
This course gives banking leaders a practical framework for turning ISO 20022 from a technical requirement into a business asset. Whether your institution is mid-migration or already live, this course will help you connect rich payment data to concrete outcomes: faster reconciliation for commercial clients, stronger fraud controls, better cash visibility, and services that compete directly with what fintechs are already selling.
Topics covered in this course
Beyond Compliance: Why ISO 20022 Is a Revenue Conversation
- Why most institutions stopped at format migration
- The commercial opportunity inside structured payment data
- Reframing ISO 20022 as a data strategy, not just a messaging standard
What Rich Data Actually Looks Like (and Why It Matters)
- What ISO 20022 carries that legacy formats do not
- Remittance detail, purpose codes, and LEIs explained for business leaders
- How structured data changes what is possible downstream
Use Case #1: Commercial Reconciliation as a Service
- Helping business clients close the books faster
- Positioning enhanced remittance data as a treasury tool
- Reducing manual matching and exception processing
Use Case #2: Real-Time Cash Visibility and Reporting
- Building cash management dashboards powered by ISO 20022 data
- Competing with treasury management platforms and fintech overlays
- Creating tiered reporting services for commercial relationships
Use Case #3: Fraud Mitigation and Confirmation of Payee
- Using structured sender and receiver data to reduce fraud exposure
- Positioning fraud controls as a client-facing value-added service
- Linking ISO 20022 data to AML and KYC workflows
Building a Pricing and Packaging Strategy
- When to bundle, when to charge separately, and when to subsidize
- Segmenting commercial vs. consumer offerings
- Aligning price with perceived value for CFOs and treasury teams
Your ISO 20022 Monetization Roadmap
- Where to pilot first and what to measure
- Questions leadership teams should be asking now
- Common missteps institutions make after go-live
- KPIs beyond transaction volume
Key Takeaways and Next Steps
- Moving from format compliance to commercial differentiation
- Aligning product, technology, and sales teams around the data opportunity
- Building the internal case for investment
Who Should Attend
- C-suite executives
- Senior leaders
- Product and technology decision-makers at banks and credit unions who are navigating ISO 20022 adoption
- Those in payments, treasury management, commercial banking, and digital strategy roles.
*This course does NOT qualify, nor meet the National Standard for NASBA accreditation.
Your Instructor
- Angela Murphy, Ph.D.—widely known as Payments Elsa—is a leading voice at the intersection of faster payments, artificial intelligence, and fintech innovation. With a Ph.D. and years of hands-on experience in B2B payments, solutions integration, and financial technology, Angela bridges the gap between emerging technologies and practical strategy, helping financial institutions transform how money moves.
- A trusted advisor and strategist, Angela works with banks, credit unions, and fintechs to navigate the complexities of real-time payments, behavioral AI, and digital infrastructure modernization. Her work is grounded in deep market insight and a relentless drive to make complex financial concepts clear, actionable, and inclusive—for industry leaders and everyday users alike.
- Angela is a graduate of the PayTech Women Executive Academy and the Money20/20 RiseUp program, and she was named the 2024 Emerging Trendsetter by PayTech Women. She is also a Founding Fellow of Coruzant Technologies and a passionate advocate for diversity, equity, and representation in financial services and technology.
- A dynamic speaker and educator, Angela frequently delivers webinars and guest lectures for institutions such as UC Berkeley, the University of Missouri’s Bloch School of Business, and the Regnier Institute for Entrepreneurship and Innovation. Her thought leadership has been featured across global podcasts and media, including The Payments Podium, Cybersecurity Matters, PCN, Off the Rails, Wrestling Payments, and Versatile Ph.D.
This course is covered under team memberships.
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