ISO 20022 for Instant Payments: Rich Data that Finally Pays for Itself

On Demand Course

Instructor: Angela Murphy

Duration: 1 HR

What You'll Learn

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.

About the Author:

Angela Murphy

- 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.

On-Demand Course