Many banks approached ISO 20022 migration as a mandatory industry upgrade, but they have not yet fully capitalized on the value of the richer, structured data available within ISO 20022 messages. True adoption begins with the ability of the banking ecosystem to create, manage, consume, store, and effectively use this data across products and processes.
This report reviews how ISO 20022 adoption shapes institutional performance and the substantial modernization efforts necessary to unlock its full value. Its findings are based on Datos Insights’ Q3 2025 surveys of 150 global FIs on cross-border payments and 1,036 global midsize and large organizations.
Clients of Datos Insights’ Commercial Banking & Payments service can download this report.
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