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The platform supports mandates such as SEPA Inst, SIC Instant Payments and CBPR+/ISO20022 and includes tools for fraud management and data analytics. Bottomline’s connectivity solutions are designed to support these goals through flexible routing and network interoperability.
Tokenisation is now a core enabler of secure, interoperable digital paymentspowering embeddedfinance, asset tokenisation, and evolving identity flows. Once a system for masking sensitive data, tokenisation has evolved into a foundational technology for enabling secure, interoperable, and scalable digital payments.
The financial world is moving toward real-time payments, embeddedfinance, open banking, AI, robot process automation (RPA), and global interoperabilitybut outdated technology is slowing banks down, creating higher security risks, compliance challenges, and operational inefficiencies.
The Role of Standards: ISO20022 and the Power of Interoperability Javeri described ISO20022 as “not new, but the foundation” for future-ready payments. It enables interoperability and opens the door to building next-layer capabilities,” he said.
ISO20022 for cross-border payments (Mandatory by 22 November 2025) The global migration to ISO20022 as the standard for cross-border payments messaging becomes mandatory on 22 November 2025. Next steps/action required: Consult with finance, IT, and ERP teams to confirm readiness for structured ISO20022 fields.
Over the four-day event, more than 750 expert speakers will participate in 300+ sessions covering a wide range of topics, including AI, digital currencies, tokenization, ISO20022, environmental, social and governance (ESG) standards, embeddedfinance, interoperability, and compliance.
The technology will enable Affin Bank to process 20%+ more transactions, and enable interoperability among PayNet, RENTAS, and SWIFT using ISO20022 standards. Okapi’s goal is to make residential solar energy affordable to homeowners in Malaysia and throughout Southeast Asia.
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