Sebastien Rousseau
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PAYMENTS

CBPR+

Cross-Border Payments and Reporting Plus — the SWIFT ISO 20022 usage guidelines for correspondent banking.

6 articles

PAYMENTS & MONEY

Hangen Biyan Kuɗi na Duniya na 2026: Tsarin Aiki, Haɗari, da Kuɗin Shiga a Duniya Mai Agentic, Marar Ganuwa, da Lokaci-Real

Zagayowar biyan kuɗi na duniya na 2026 yana bayyana ta hanyar runduna uku da ke haɗuwa — agentic commerce, biyan kuɗi marasa ganuwa da aka saka, da aiwatarwa na lokaci-real — suna a saman tokenised unified ledger a ƙarƙashin Project Agorá da cut-over mai tsanani na structured-address na SWIFT na Nuwamba 2026. Wannan rubutu yana haɗa hangen na J.P. Morgan, Global Payments, HSBC da Payments Association na 2026 zuwa tsarin aiki na G-SIB mai ginshiƙai huɗu.

PAYMENTS & MONEY

Ƙetare Iyaka 2026: ISO 20022, Open Finance da Tokenised Deposits a Kuɗin Kamfanoni

Kuɗin kamfanoni na ƙetare iyaka a 2026 matsalar injiniyanci ce ta layi da yawa. ISO 20022 shi ne harshen gama gari, A2A da open finance a ƙarƙashin PSD3/FiDA su ne hanyar fuskantar abokin ciniki, tokenised deposits suna ɗaukar layin tsabtacewa na babba, kuma SWIFT yana ci gaba da goyon bayan dogon wutsiya. Aikin mai ban sha'awa yana cikin laushin orchestration, ba a cikin samfurin ba.

APPLIED AI

Daga Pain.001 zuwa Kuɗi Mai Shirye-shirye: ISO 20022 a Matsayin Tsarin Jijiya na Baitulmali a 2026

ISO 20022 a 2026 shi ne tsarin jijiya mai aiki da kansa na baitulmali. pain.001 da pacs.008 suna ɗauke da bayanai masu yawa fiye da yadda kowane saƙon MT ya taɓa yi. Kusan rabin bankuna har yanzu ba sa kan hanya don yankan SWIFT MT/MX na Nuwamba 2026, adireshin tsararru sun zama tilas, kuma baitulmalin wakilci ba zai iya kasancewa ba tare da APIs na MX-native ba. Wannan labarin ya tsara hakikanin injiniyanci, daga ƙa'idodin tabbatar da CBPR+ zuwa wani guntu na pain.001 na gaske mai filayen PstlAdr.

APPLIED AI

ISO 20022 Bayan Ƙaura: Juyar da Bayanan Biyan Kuɗi zuwa Kayayyakin Banki a 2026

ISO 20022 bayan ƙaura ba rufe aikin ba ne — farkon damar samfurin bayanai ne. Adireshi mai tsari, lambobin manufa, bayanan daftari, da abubuwan da suka faru masu wadata sun zama kayayyakin daidaitawa, zamba, kuɗi, da bin doka. Tambayar 2026 ita ce horon ƙira: wane bayanan biyan kuɗi yana ɗauke da wane aikin abokin ciniki, an ƙididdige farashin ga wane kamfani.