At Sibos Frankfurt, one theme resonated above all: the transformation of payments isn’t just about technology, it’s about collaboration. As ISO 20022 adoption accelerates and platforms like Swift GPI redefine expectations, banks, corporates, and providers are aligning around a shared goal: creating a payment ecosystem built on visibility, efficiency, and certainty. These are no longer differentiators, they are the foundations of trust and competitiveness in a data-driven financial world.
Visibility: Turning Data into better decisions
In today’s treasury landscape, real-time insights are non-negotiable. Corporates need to know not just whether a payment has been initiated, but where it is in the process, what data accompanies it, and when it will finalise.
Certain institutions are embracing Swift GPI for Corporates (G4C) which enables corporates to track payments in real-time, improving liquidity management, and accelerating reconciliations. Yet, fragmented data and varying levels of transparency across institutions remain persistent friction points.
The path forward lies in unified, standardised platforms that make data not just accessible but actionable. With ISO 20022 as a global standard and API-based architectures as the connective tissue, institutions can unlock a single, consistent view of their global payment activity. This level of visibility transforms operations from reactive to proactive, driving resilience, precision, and smarter decision-making.
Efficiency: Removing Friction at Scale
Every manual intervention introduces costs, delay and risk. The industry’s challenge is scaling automation not in pockets, but end-to-end.
That’s where shared standards and modular, plug-and-play solutions come in. As ISO 20022 achieves industry-wide adoption, consistent data models and shared infrastructures dramatically reduce friction, enabling corporates and banks to operate at true digital speed.
Efficiency at scale is no longer about faster payments. It’s about interoperability, consistency, and collaboration that remove complexity across the entire ecosystem.
Certainty: The Currency of Trust
In a global, always-on financial environment, certainty is the ultimate differentiator. It isn’t a “nice to have”, it’s essential. Corporates need absolute confidence that funds will arrive on time, in full, with accurate data.
Rich, structured data from ISO 20022 enhances every layer of this process by reducing false positives in compliance checks, enabling precise reconciliation, and restoring confidence in data integrity. Meanwhile, advanced validation and security measures embedded into modern payment platforms add an extra layer of assurance, mitigating risk before funds ever move.
Certainty is therefore both a technological and relational achievement. It’s built through reliable infrastructure but sustained by trust between institutions that commit to performance, transparency, and continuous improvement.
Collaboration: The True Game-Changer
Across all these dimensions, collaboration emerged as the defining force behind progress. Whether through joint working groups, open APIs, or shared industry standards, the future of payments will be shaped not by isolated innovation, but by collective execution.
For banks, it means designing around corporate needs, not just regulatory trends. For corporates, it means engaging with providers to simplify connectivity and focus on value-added treasury functions. For Broadridge, it means bringing these stakeholders together to co-create systems that are interoperable, intelligent, and secure by design.
Looking Ahead
As the industry accelerates toward full ISO 20022 adoption and more deeply connected API-driven ecosystems, a clear opportunity is emerging. Greater visibility will strengthen resilience, efficiency will enable true scale, and certainty will continue to build trust across the network.
The payment experience of the future won’t be defined by technology alone, but by the ability of banks, corporates, and service providers to collaborate seamlessly to make that technology usable, reliable, and genuinely valuable. The challenge now is not just to adopt new tools, but to embrace shared standards, co-create solutions, and keep the end-user experience at the heart of every innovation.
The journey to smarter, faster, and more trusted payments is already well underway. The real question is: how quickly will you move forward?