# ISO 20022

Published articles for ISO 20022.

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## Becoming ISO-native: Navigating the end of coexistence in the ISO 20022 migration journey

DevFeed: [Becoming ISO-native: Navigating the end of coexistence in the ISO 20022 migration journey](<https://devfeed.tech/articles/becoming-iso-native-navigating-the-end-of-coexistence-in-the-iso-20022-migration-journey-56940.md>)

Original publisher: [Read original article](<https://www.thoughtworks.com/insights/articles/becoming-ISO-native-navigating-end-of-coexistence-in-ISO-20022-migration-journey>)

Author: Alla Gancz, Sid Zalaki, Nathan Hilt

Published: 2025-09-22T00:00:00Z

Content type: tutorial

Language: en

Sources: [Thoughtworks Insights](<https://devfeed.tech/sources/thoughtworks-insights.md>)

Topics: [migration](<https://devfeed.tech/topics/migration.md>), [data-architecture](<https://devfeed.tech/topics/data-architecture.md>), [Structured-data](<https://devfeed.tech/topics/structured-data.md>), [data-governance](<https://devfeed.tech/topics/data-governance.md>), [Data Management](<https://devfeed.tech/topics/data-management.md>), [Resilience](<https://devfeed.tech/topics/resilience.md>), [Risk](<https://devfeed.tech/topics/risk.md>)

Tags: [2026](<https://devfeed.tech/tags/2026.md>), [article](<https://devfeed.tech/tags/article.md>), [compliance](<https://devfeed.tech/tags/compliance.md>), [cross-border-payments](<https://devfeed.tech/tags/cross-border-payments.md>), [data-governance](<https://devfeed.tech/tags/data-governance.md>), [data-management](<https://devfeed.tech/tags/data-management.md>), [data-strategy](<https://devfeed.tech/tags/data-strategy.md>), [financial-institutions](<https://devfeed.tech/tags/financial-institutions.md>), [financial-services](<https://devfeed.tech/tags/financial-services.md>), [formats](<https://devfeed.tech/tags/formats.md>), [iso-20022](<https://devfeed.tech/tags/iso-20022.md>), [migration](<https://devfeed.tech/tags/migration.md>), [technology-strategy](<https://devfeed.tech/tags/technology-strategy.md>)

### AI overview

A guide to the end of the ISO 20022 coexistence period in November 2025, when financial institutions must support native MX payment messages rather than relying on legacy MT translation. It also outlines the 2026 requirement for more structured postal addresses and the resulting implications for data governance, KYC, customer data systems, reconciliation, and payment processing.

### Source excerpt

Becoming ISO-native: Navigating the end of coexistence in the ISO 20022 migration journey

## How AI Can Support Payments Legacy Modernization

DevFeed: [How AI Can Support Payments Legacy Modernization](<https://devfeed.tech/articles/ai-in-payments-modernization-leveraging-the-full-potential-56937.md>)

Original publisher: [Read original article](<https://www.thoughtworks.com/insights/articles/ai-payments-modernization>)

Author: Andy Nolan, Avishek Sen Gupta, Muralikrishnan Puthanveedu

Published: 2025-02-13T00:00:00Z

Content type: article

Language: en

Sources: [Thoughtworks Insights](<https://devfeed.tech/sources/thoughtworks-insights.md>)

Topics: [Legacy Modernization](<https://devfeed.tech/topics/legacy-modernization.md>), [Artificial Intelligence](<https://devfeed.tech/topics/ai.md>), [legacy systems](<https://devfeed.tech/topics/legacy-systems.md>), [Software](<https://devfeed.tech/topics/software.md>), [downtime](<https://devfeed.tech/topics/downtime.md>)

Tags: [ai](<https://devfeed.tech/tags/ai.md>), [ai-and-ml](<https://devfeed.tech/tags/ai-and-ml.md>), [article](<https://devfeed.tech/tags/article.md>), [digital-innovation](<https://devfeed.tech/tags/digital-innovation.md>), [downtime](<https://devfeed.tech/tags/downtime.md>), [financial-services](<https://devfeed.tech/tags/financial-services.md>), [iso-20022](<https://devfeed.tech/tags/iso-20022.md>), [legacy](<https://devfeed.tech/tags/legacy.md>), [legacy-modernization](<https://devfeed.tech/tags/legacy-modernization.md>), [modernization](<https://devfeed.tech/tags/modernization.md>)

### AI overview

The article examines how banks and other financial institutions can use AI to support modernization of aging payments systems. It describes legacy dependencies, the risks of downtime, competitive and standards-driven pressure, and the need to apply AI with an understanding of its limitations.

### Source excerpt

AI in payments modernization: Leveraging the full potential

## How Financial Institutions Can Use Payments Data for Growth and Product Innovation

DevFeed: [How Financial Institutions Can Use Payments Data for Growth and Product Innovation](<https://devfeed.tech/articles/how-financial-institutions-can-drive-growth-by-tapping-the-hidden-value-of-payments-data-56990.md>)

Original publisher: [Read original article](<https://www.thoughtworks.com/insights/articles/payments-data>)

Author: Muralikrishnan Puthanveedu, Praveen Ninawe, Manu Iyer

Published: 2024-09-10T00:00:00Z

Content type: article

Language: en

Sources: [Thoughtworks Insights](<https://devfeed.tech/sources/thoughtworks-insights.md>)

Topics: [data](<https://devfeed.tech/topics/data.md>), [systems](<https://devfeed.tech/topics/systems.md>), [Messaging](<https://devfeed.tech/topics/messaging.md>), [standard](<https://devfeed.tech/topics/standard.md>)

Tags: [article](<https://devfeed.tech/tags/article.md>), [compliance](<https://devfeed.tech/tags/compliance.md>), [data](<https://devfeed.tech/tags/data.md>), [digital-innovation](<https://devfeed.tech/tags/digital-innovation.md>), [financial-data](<https://devfeed.tech/tags/financial-data.md>), [financial-institutions](<https://devfeed.tech/tags/financial-institutions.md>), [growth](<https://devfeed.tech/tags/growth.md>), [iso-20022](<https://devfeed.tech/tags/iso-20022.md>), [monetization](<https://devfeed.tech/tags/monetization.md>), [payments](<https://devfeed.tech/tags/payments.md>), [privacy](<https://devfeed.tech/tags/privacy.md>), [product-innovation](<https://devfeed.tech/tags/product-innovation.md>)

### AI overview

This article explains how cashless payments, instant-payment infrastructure, ISO 20022, and open-banking regulations are creating richer payments data. It describes how financial institutions can use that data to support product innovation, improve operations, reduce costs, and develop monetization opportunities while addressing privacy and compliance concerns.

### Source excerpt

How financial institutions can drive growth by tapping the hidden value of payments data