{"id":55678,"date":"2026-09-11T10:51:09","date_gmt":"2026-09-11T08:51:09","guid":{"rendered":"https:\/\/www.sqorus.com\/?page_id=55678"},"modified":"2026-09-11T10:51:16","modified_gmt":"2026-09-11T08:51:16","slug":"payment-flows-iso-20022","status":"publish","type":"page","link":"https:\/\/www.sqorus.com\/en\/finance-transformation-consulting\/payment-flows-iso-20022\/","title":{"rendered":"Payment Flows &#038; ISO 20022"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Section &#8211; Header&#8221; module_class=&#8221;Fond_blanc&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; background_position=&#8221;bottom_right&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;1rem||3rem||false|false&#8221; custom_padding_tablet=&#8221;0rem||5rem||false|false&#8221; custom_padding_phone=&#8221;||5rem||false|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; 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_builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; z_index=&#8221;0&#8243; custom_margin=&#8221;||0px||false|false&#8221; text_font_size_tablet=&#8221;&#8221; text_font_size_phone=&#8221;&#8221; text_font_size_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h1>ISO 20022, Payment Flows &#038; Banking Communications<\/h1>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_line_height=&#8221;30px&#8221; custom_padding=&#8221;|60px|||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Ensure the reliability of your payment flows, secure your banking communications, and complete your ISO 20022 migration without any service disruption. A controlled data chain, from the reference system all the way to the bank. <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section &#8211; Accompagnement&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;gcid-99bb2899-b21c-487f-849a-a4af892d0bec&#8221; custom_margin=&#8221;||||true|false&#8221; custom_padding=&#8221;80px||80px||true|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-99bb2899-b21c-487f-849a-a4af892d0bec%22:%91%22background_color%22%93}&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; width=&#8221;auto&#8221; max_width=&#8221;1300px&#8221; custom_margin=&#8221;0px||0px||true|true&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|false&#8221; custom_padding_tablet=&#8221;0px|40px|0px|40px|true|true&#8221; custom_padding_phone=&#8221;0px|30px|0px|30px|true|true&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px||0px||false|true&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/04\/Fast-close-bandeau-gauche.png&#8221; title_text=&#8221;Fast close &#8211; left headband&#8221; show_bottom_space=&#8221;off&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_margin_tablet=&#8221;0px||0px||true|true&#8221; custom_margin_phone=&#8221;0px||0px||true|true&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;0px||80px||false|true&#8221; custom_padding_tablet=&#8221;|40px||40px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|desktop&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;100px|40px||40px|false|true&#8221; custom_padding_tablet=&#8221;|40px||40px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#81919e&#8221; text_font_size=&#8221;13px&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]Your challenges[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_align_tablet=&#8221;left&#8221; header_2_text_align_phone=&#8221;center&#8221; header_2_text_align_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Your Challenges in Payments and Banking Communications<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Texte&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||50px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>As of July 2026, Swift still accounted for nearly 58% of unstructured addresses in cross-border payment traffic.<\/p>\n<p>The deadline has been extended to August 2026; the requirement, however, has not. The issue remains unresolved, with a shorter timeframe now in place. <\/p>\n<p><strong>You would like to :<\/strong><\/p>\n<ul>\n<li>Want to know how your third-party reference standards and addresses actually measure up against ISO 20022 requirements?<\/li>\n<li>Streamline payment flows spread across multiple channels and banks?<\/li>\n<li>Should you streamline your payment processing through a payment factory or a payment hub?<\/li>\n<li>Want to reduce the amount of manual work involved in your bank reconciliations?<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;SECTION INSIDE SQORUS&#8221; module_class=&#8221;Fond_bleu &#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;7rem||7rem||true|false&#8221; custom_padding_tablet=&#8221;5rem||5rem||true|false&#8221; 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H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||20px||false|false&#8221; custom_margin_tablet=&#8221;||20px||false|false&#8221; custom_margin_phone=&#8221;||40px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">Our ISO 20022 and Banking Communications Services<\/h2>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;|8rem||8rem|false|true&#8221; custom_margin_tablet=&#8221;|0rem||0rem|false|true&#8221; custom_margin_phone=&#8221;|0rem||0rem|false|true&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We work with finance departments, treasurers, and finance CIOs to improve the reliability and standardization of their payment flows to banks and partners.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row _builder_version=&#8221;4.25.0&#8243; 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tab_content_text_line_height_tablet=&#8221;30px&#8221; tab_content_text_line_height_phone=&#8221;26px&#8221; tab_content_text_line_height_last_edited=&#8221;on|phone&#8221; border_color_all_dsm_tabs_border=&#8221;#171a46&#8243; border_color_all_dsm_active_tabs_border=&#8221;#49a0f5&#8243; border_width_bottom_dsm_active_tabs_border=&#8221;3px&#8221; border_radii_dsm_content_border=&#8221;on||||&#8221; border_style_all_dsm_content_border=&#8221;none&#8221; border_radii_dsm_content_image_icon_border=&#8221;on|300px|300px|300px|300px&#8221; border_width_all_dsm_content_image_icon_border=&#8221;8px&#8221; border_color_all_dsm_content_image_icon_border=&#8221;#d9e0e5&#8243; global_colors_info=&#8221;{%22gcid-c99c99b9-be51-46d6-b9f3-46f7fca8da36%22:%91%22button_bg_color%22%93}&#8221; button_bg_color__hover=&#8221;#bd5641&#8243; button_bg_color__hover_enabled=&#8221;on|desktop&#8221; button_bg_enable_color__hover=&#8221;on&#8221;][dsm_advanced_tabs_child dsm_title=&#8221;ISO 20022 Migration&#8221; dsm_content_title=&#8221;ISO 20022 Migration%91&#8243; dsm_content=&#8221;<\/p>\n<ul>\n<li>Data Chain Validation: Third-Party Datasets, Addresses, IBANs and BICs, Purpose Codes<\/li>\n<li>Impact Analysis on Formats (MT\/MX, pain, camt, pacs) and Remediation Plan<\/li>\n<li>Migration path, project management, and end-to-end acceptance testing<\/li>\n<\/ul>\n<p><em>Updated timeline: Swift has postponed the phase-out of unstructured addresses, originally scheduled for November 14, 2026, to August 27, 2026. A new date will be announced by December 2026. The requirement itself remains in full effect.  <\/em><\/p>\n<p>&#8221; dsm_content_use_icon_image=&#8221;on&#8221; dsm_content_image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2024\/06\/Technologies-dentreprise-bandeau.png&#8221; dsm_content_image_icon_placement=&#8221;left&#8221; button_url=&#8221;#&#8221; dsm_content_margin=&#8221;||||false|true&#8221; dsm_content_padding=&#8221;||||false|true&#8221; dsm_content_image_icon_placement_tablet=&#8221;top&#8221; dsm_content_image_icon_placement_phone=&#8221;top&#8221; dsm_content_image_icon_placement_last_edited=&#8221;on|tablet&#8221; dsm_content_padding_tablet=&#8221;||||false|true&#8221; dsm_content_padding_phone=&#8221;|0px||0px|false|true&#8221; dsm_content_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; tab_title_font=&#8221;|600|||||||&#8221; content_title_level=&#8221;h3&#8243; border_radii_dsm_content_image_icon_border=&#8221;on|300px|300px|300px|300px&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_border_color__hover_enabled=&#8221;on|hover&#8221;][\/dsm_advanced_tabs_child][dsm_advanced_tabs_child dsm_title=&#8221;Banking Communications&#8221; dsm_content_title=&#8221;Banking Communications&#8221; dsm_content=&#8221;<\/p>\n<ul>\n<li>EBICS connectivity, SWIFTNet (FIN, FileAct), back-office services, banking APIs<\/li>\n<li>Electronic Account Management (eBAM), Authorizations, and Signatures<\/li>\n<li>Protocol Migration and Securing Critical Data Flows<\/li>\n<\/ul>\n<p>&#8221; dsm_content_use_icon_image=&#8221;on&#8221; dsm_content_image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2025\/10\/Bandeau-Offre-AMOA-Source-To-Pay.png&#8221; dsm_content_image_icon_placement=&#8221;left&#8221; button_url=&#8221;#&#8221; dsm_content_margin=&#8221;||||false|true&#8221; dsm_content_padding=&#8221;||||false|true&#8221; dsm_content_image_icon_placement_tablet=&#8221;top&#8221; dsm_content_image_icon_placement_phone=&#8221;top&#8221; dsm_content_image_icon_placement_last_edited=&#8221;on|tablet&#8221; dsm_content_padding_tablet=&#8221;||||false|true&#8221; dsm_content_padding_phone=&#8221;|0px||0px|false|true&#8221; dsm_content_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; tab_title_font=&#8221;|600|||||||&#8221; content_title_level=&#8221;h3&#8243; border_radii_dsm_content_image_icon_border=&#8221;on|300px|300px|300px|300px&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; button_border_color__hover_enabled=&#8221;on|hover&#8221;][\/dsm_advanced_tabs_child][dsm_advanced_tabs_child dsm_title=&#8221;Payment Factory&#8221; dsm_content_title=&#8221;Payment Factory, Hub, and Orchestration&#8221; dsm_content=&#8221;<\/p>\n<ul>\n<li>Framework for the Model: Centralization, Payments on Behalf of Third Parties<\/li>\n<li>Target Architecture and Component Selection<\/li>\n<li>Partner Integration and Workflow Orchestration<\/li>\n<\/ul>\n<p>&#8221; dsm_content_use_icon_image=&#8221;on&#8221; dsm_content_image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/01\/Refonte-site-internet-Carre-8.png&#8221; dsm_content_image_icon_placement=&#8221;left&#8221; button_url=&#8221;#&#8221; dsm_content_margin=&#8221;||||false|true&#8221; dsm_content_padding=&#8221;||||false|true&#8221; dsm_content_image_icon_placement_tablet=&#8221;top&#8221; dsm_content_image_icon_placement_phone=&#8221;top&#8221; dsm_content_image_icon_placement_last_edited=&#8221;on|tablet&#8221; dsm_content_padding_tablet=&#8221;||||false|true&#8221; dsm_content_padding_phone=&#8221;|0px||0px|false|true&#8221; dsm_content_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; tab_title_font=&#8221;|600|||||||&#8221; content_title_level=&#8221;h3&#8243; border_radii_dsm_content_image_icon_border=&#8221;on|300px|300px|300px|300px&#8221; global_colors_info=&#8221;{}&#8221; button_bg_color__hover_enabled=&#8221;on|hover&#8221; 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custom_padding_phone=&#8221;7rem||40px||false|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{%22gcid-99bb2899-b21c-487f-849a-a4af892d0bec%22:%91%22background_color%22%93}&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; width=&#8221;auto&#8221; max_width=&#8221;1300px&#8221; custom_margin=&#8221;0px||0px||true|true&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|false&#8221; custom_padding_tablet=&#8221;0px|40px|0px|40px|true|true&#8221; custom_padding_phone=&#8221;0px|30px|0px|30px|true|true&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;|40px||40px|false|true&#8221; custom_padding_tablet=&#8221;|40px||40px|false|true&#8221; custom_padding_phone=&#8221;|0px||0px|false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_text_color=&#8221;#81919e&#8221; text_font_size=&#8221;13px&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||10px||false|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Relevant profiles<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; header_2_text_align=&#8221;left&#8221; custom_padding=&#8221;||||false|false&#8221; custom_padding_tablet=&#8221;||20px||false|false&#8221; custom_padding_phone=&#8221;||20px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; header_2_text_align_tablet=&#8221;left&#8221; header_2_text_align_phone=&#8221;center&#8221; header_2_text_align_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Who is this offer for regarding payments and banking communications?<\/h2>\n<p>[\/et_pb_text][et_pb_image src=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/02\/Data-quality-RH.png&#8221; alt=&#8221;artificial-intelligence-midjourney&#8221; title_text=&#8221;Data quality RH&#8221; show_bottom_space=&#8221;off&#8221; force_fullwidth=&#8221;on&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_margin_tablet=&#8221;0px||0px||true|true&#8221; custom_margin_phone=&#8221;0px||0px||true|true&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;0px||50px||false|true&#8221; custom_padding_tablet=&#8221;||30px||false|true&#8221; custom_padding_phone=&#8221;||||false|true&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_alignment_tablet=&#8221;center&#8221; module_alignment_phone=&#8221;center&#8221; module_alignment_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_text ul_item_indent=&#8221;5%&#8221; admin_label=&#8221;Texte&#8221; module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We most often work with:<\/p>\n<ul>\n<li>Companies that make payments to multiple banks and multiple countries<\/li>\n<li>Groups whose third-party reference frameworks have been built through successive layers<\/li>\n<li>Financial departments are working to centralize disbursements<\/li>\n<li>Banks and payment institutions undertaking a migration of formats or protocols<\/li>\n<\/ul>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;TIMELINE&#8221; module_class=&#8221;Fond_gris&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2024\/04\/Icon-Background-Q.svg&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;top_center&#8221; background_vertical_offset=&#8221;140px&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_padding=&#8221;180px||50px||false|false&#8221; custom_padding_tablet=&#8221;80px||40px||false|false&#8221; custom_padding_phone=&#8221;||10px||false|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.27.5&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_font_size=&#8221;13px&#8221; text_letter_spacing=&#8221;1px&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||10px||false|false&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>OUR SUPPORT<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; custom_margin=&#8221;||2rem||false|false&#8221; custom_margin_tablet=&#8221;||4rem||false|false&#8221; custom_margin_phone=&#8221;||4rem||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Our Approach to Managing Your ISO 20022 and Banking Communications Project<\/h2>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{%22gcid-heading-color%22:%91%22text_text_color%22%93}&#8221;]<\/p>\n<p>Each switchover is preceded by an end-to-end acceptance test with the relevant bank. No critical workflow goes live without a signed acceptance report. <\/p>\n<p>[\/et_pb_text][dsm_content_timeline dsm_tree_animation=&#8221;on&#8221; dsm_pointer_bg_color=&#8221;#FFFFFF&#8221; dsm_pointer_active_bg_color=&#8221;#171d7b&#8221; dsm_pointer_icon_color=&#8221;rgba(23,29,123,0.8)&#8221; dsm_pointer_active_icon_color=&#8221;#FFFFFF&#8221; dsm_tree_bg_color=&#8221;rgba(23,29,123,0)&#8221; dsm_tree_active_bg_color=&#8221;#171d7b&#8221; dsm_image_width=&#8221;84%&#8221; dsm_image_width_tablet=&#8221;100%&#8221; dsm_image_width_phone=&#8221;100%&#8221; dsm_image_width_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;Timeline&#8221; module_class=&#8221;Timeline&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; custom_button=&#8221;on&#8221; button_text_size=&#8221;16px&#8221; button_text_color=&#8221;#FFFFFF&#8221; button_bg_color=&#8221;gcid-c99c99b9-be51-46d6-b9f3-46f7fca8da36&#8243; button_border_width=&#8221;0px&#8221; button_border_color=&#8221;gcid-c99c99b9-be51-46d6-b9f3-46f7fca8da36&#8243; button_use_icon=&#8221;off&#8221; button_alignment=&#8221;right&#8221; button_custom_margin=&#8221;25px||||false|false&#8221; button_custom_margin_tablet=&#8221;20px||||false|false&#8221; button_custom_margin_phone=&#8221;20px||||false|false&#8221; button_custom_margin_last_edited=&#8221;on|phone&#8221; button_custom_padding=&#8221;8px|24px|8px|24px|true|true&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;30px||0px||false|false&#8221; custom_padding_tablet=&#8221;||0px||false|true&#8221; custom_padding_phone=&#8221;0px||||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; border_radii_image-icon=&#8221;on|300px|300px|300px|300px&#8221; border_width_all_image-icon=&#8221;8px&#8221; border_color_all_image-icon=&#8221;#353fc9&#8243; box_shadow_style_button=&#8221;preset1&#8243; box_shadow_horizontal_button=&#8221;4px&#8221; box_shadow_vertical_button=&#8221;4px&#8221; box_shadow_blur_button=&#8221;12px&#8221; box_shadow_color_button=&#8221;rgba(0,0,0,0.15)&#8221; global_colors_info=&#8221;{%22gcid-c99c99b9-be51-46d6-b9f3-46f7fca8da36%22:%91%22button_bg_color%22,%22button_border_color%22,%22button_bg_color%22,%22button_border_color%22%93}&#8221; button_bg_color__hover=&#8221;#bd5641&#8243; button_bg_color__hover_enabled=&#8221;on|desktop&#8221;][dsm_content_timeline_child alt=&#8221;Header Sqorus&#8221; title_text=&#8221;Group 33&#8243; dsm_title=&#8221;Data and Flow Diagnostics  &#8221; dsm_content=&#8221;<\/p>\n<p>Mapping of workflows, protocols, and reference frameworks; measurement of the non-compliance rate; remediation plan.<\/p>\n<p>&#8221; dsm_use_pointer_element=&#8221;on&#8221; dsm_icon_image_align=&#8221;left&#8221; dsm_opposite_bg_color=&#8221;RGBA(255,255,255,0)&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;gcid-primary-color&#8221; header_font_size=&#8221;25px&#8221; header_line_height=&#8221;35px&#8221; 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dsm_content=&#8221;<\/p>\n<p>Target architecture, field-by-field mapping specifications, business rules.<\/p>\n<p>&#8221; dsm_use_pointer_element=&#8221;on&#8221; dsm_icon_image_align=&#8221;left&#8221; dsm_opposite_bg_color=&#8221;RGBA(255,255,255,0)&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;gcid-primary-color&#8221; header_font_size=&#8221;25px&#8221; header_line_height=&#8221;35px&#8221; content_text_color=&#8221;gcid-body-color&#8221; content_font_size=&#8221;18px&#8221; content_line_height=&#8221;30px&#8221; opposite_text_font=&#8221;|800|||||||&#8221; opposite_text_text_color=&#8221;#FFFFFF&#8221; opposite_text_font_size=&#8221;18px&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; button_alignment=&#8221;right&#8221; image_icon_custom_margin=&#8221;||||false|false&#8221; image_icon_custom_padding=&#8221;||||false|false&#8221; border_radii_image_icon=&#8221;on|200px|200px|200px|200px&#8221; border_width_all_image_icon=&#8221;8px&#8221; border_color_all_image_icon=&#8221;#353fc9&#8243; border_style_all_image_icon=&#8221;inset&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22header_text_color%22%93,%22gcid-body-color%22:%91%22content_text_color%22%93}&#8221;][\/dsm_content_timeline_child][dsm_content_timeline_child alt=&#8221;Header Sqorus&#8221; title_text=&#8221;Group 33&#8243; dsm_title=&#8221;Recipe&#8221; dsm_content=&#8221;<\/p>\n<p>Test suites by workflow and by bank, multi-party acceptance testing, test reports.<\/p>\n<p>&#8221; dsm_use_pointer_element=&#8221;on&#8221; dsm_icon_image_align=&#8221;left&#8221; dsm_opposite_bg_color=&#8221;RGBA(255,255,255,0)&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;gcid-primary-color&#8221; header_font_size=&#8221;25px&#8221; header_line_height=&#8221;35px&#8221; content_text_color=&#8221;gcid-body-color&#8221; content_font_size=&#8221;18px&#8221; content_line_height=&#8221;30px&#8221; opposite_text_font=&#8221;|800|||||||&#8221; opposite_text_text_color=&#8221;#FFFFFF&#8221; opposite_text_font_size=&#8221;18px&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; button_alignment=&#8221;right&#8221; image_icon_custom_margin=&#8221;||||false|false&#8221; image_icon_custom_padding=&#8221;||||false|false&#8221; border_radii_image_icon=&#8221;on|200px|200px|200px|200px&#8221; border_width_all_image_icon=&#8221;8px&#8221; border_color_all_image_icon=&#8221;#353fc9&#8243; border_style_all_image_icon=&#8221;inset&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22header_text_color%22%93,%22gcid-body-color%22:%91%22content_text_color%22%93}&#8221;][\/dsm_content_timeline_child][dsm_content_timeline_child alt=&#8221;Header Sqorus&#8221; title_text=&#8221;Group 33&#8243; dsm_title=&#8221;Transition and Adoption&#8221; dsm_content=&#8221;<\/p>\n<p>Gradual rollout by critical workflows, hypercare, and skills transfer.<\/p>\n<p>&#8221; dsm_use_pointer_element=&#8221;on&#8221; dsm_icon_image_align=&#8221;left&#8221; dsm_opposite_bg_color=&#8221;RGBA(255,255,255,0)&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; header_font=&#8221;|700|||||||&#8221; header_text_color=&#8221;gcid-primary-color&#8221; header_font_size=&#8221;25px&#8221; header_line_height=&#8221;35px&#8221; content_text_color=&#8221;gcid-body-color&#8221; content_font_size=&#8221;18px&#8221; content_line_height=&#8221;30px&#8221; opposite_text_font=&#8221;|800|||||||&#8221; opposite_text_text_color=&#8221;#FFFFFF&#8221; opposite_text_font_size=&#8221;18px&#8221; background_color=&#8221;RGBA(255,255,255,0)&#8221; background_enable_color=&#8221;on&#8221; button_alignment=&#8221;right&#8221; image_icon_custom_margin=&#8221;||||false|false&#8221; image_icon_custom_padding=&#8221;||||false|false&#8221; border_radii_image_icon=&#8221;on|200px|200px|200px|200px&#8221; border_width_all_image_icon=&#8221;8px&#8221; border_color_all_image_icon=&#8221;#353fc9&#8243; border_style_all_image_icon=&#8221;inset&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22header_text_color%22%93,%22gcid-body-color%22:%91%22content_text_color%22%93}&#8221;][\/dsm_content_timeline_child][\/dsm_content_timeline][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; admin_label=&#8221;Section &#8211; Cards&#8221; module_class=&#8221;bloc_15&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;6rem||6rem||true|false&#8221; custom_padding_tablet=&#8221;3rem||3rem||true|false&#8221; custom_padding_phone=&#8221;2rem||2rem||true|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_text_color=&#8221;#81919e&#8221; text_font_size=&#8221;13px&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;0px||10px||false|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>SQORUS expertise<\/p>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;Titre_30&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|700|||||||&#8221; text_text_color=&#8221;#1c2124&#8243; header_2_font_size=&#8221;24px&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Experts in payments and banking communications<\/h2>\n<p>&nbsp;<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; custom_css_free_form=&#8221;selector{||  display: flex;||  justify-content:end;||}&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|desktop&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; width=&#8221;100%&#8221; max_width=&#8221;120%&#8221; module_alignment=&#8221;center&#8221; custom_padding_tablet=&#8221;&#8221; custom_padding_phone=&#8221;&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][dsm_card_carousel centered_slides=&#8221;on&#8221; slide_to_show=&#8221;2&#8243; pause_on_hover=&#8221;on&#8221; space_between=&#8221;40&#8243; equal_height=&#8221;on&#8221; arrows=&#8221;off&#8221; dots=&#8221;off&#8221; admin_label=&#8221;LIste&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; header_level=&#8221;h3&#8243; header_text_color=&#8221;#1c2124&#8243; header_font_size=&#8221;21px&#8221; header_line_height=&#8221;35px&#8221; body_text_color=&#8221;#5a6670&#8243; body_font_size=&#8221;15px&#8221; body_line_height=&#8221;25px&#8221; background_enable_color=&#8221;off&#8221; button_alignment=&#8221;left&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|true&#8221; animation_style=&#8221;fade&#8221; border_color_all=&#8221;#d9e0e5&#8243; border_color_all_image=&#8221;#d9e0e5&#8243; border_style_all_image=&#8221;none&#8221; border_radii_card=&#8221;on|10px|10px|10px|10px&#8221; border_width_all_card=&#8221;1px&#8221; border_color_all_card=&#8221;#d9e0e5&#8243; global_colors_info=&#8221;{}&#8221;][dsm_card_carousel_child module_button_class=&#8221;Bouton fond_blanc petit&#8221; title=&#8221;Cash Management, Treasury, and Payments Business Analysis Manager  &#8221; image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/05\/Fast-Close-pilier-dune-finance-agile-.png&#8221; image_as_background=&#8221;off&#8221; alt=&#8221;Digital solutions&#8221; content_padding=&#8221;50px|30px|40px|30px|false|true&#8221; button_url_new_window=&#8221;1&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; background_enable_color=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Migration path, multi-stakeholder governance, and the relationship between banks and software vendors.<\/p>\n<p>[\/dsm_card_carousel_child][dsm_card_carousel_child module_button_class=&#8221;Bouton fond_blanc petit&#8221; title=&#8221;Senior Business Analysis &#038; PMO Consultant, Finance  &#8221; image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2024\/01\/Cash-Management.png&#8221; image_as_background=&#8221;off&#8221; alt=&#8221;devops consultant&#8221; content_padding=&#8221;50px|30px|40px|30px|false|true&#8221; button_url_new_window=&#8221;1&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; background_enable_color=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Mapping specifications, acceptance testing, regulatory compliance.<\/p>\n<p>[\/dsm_card_carousel_child][dsm_card_carousel_child module_button_class=&#8221;Bouton fond_blanc petit&#8221; title=&#8221;Payments Business Analysis Consultants&#8221; image=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/08\/Payment-Factory-Hub-Orchestrateur-quelles-differences.png&#8221; image_as_background=&#8221;off&#8221; alt=&#8221;devops consultant&#8221; content_padding=&#8221;50px|30px|40px|30px|false|true&#8221; button_url_new_window=&#8221;1&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; background_enable_color=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Mapping specifications, acceptance testing, regulatory compliance.<\/p>\n<p>[\/dsm_card_carousel_child][\/dsm_card_carousel][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Section &#8211; Expertise SQORUS&#8221; module_class=&#8221;Fond_gris&#8221; _builder_version=&#8221;4.26.0&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;initial&#8221; background_position=&#8221;bottom_right&#8221; z_index=&#8221;100&#8243; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;6rem||||false|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row admin_label=&#8221;Title Block&#8221; module_class=&#8221;LargeurBox&#8221; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; animation_style=&#8221;fade&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.19.5&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Sous-titre&#8221; module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.24.3&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_text_color=&#8221;#81919e&#8221; text_font_size=&#8221;13px&#8221; custom_margin=&#8221;||20px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">The SQORUS Choice<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;|4rem||4rem|false|true&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">SQORUS Expertise for Your Payment Workflow &#038; ISO 20022<\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon font_icon=&#8221;&#xe037;||divi||400&#8243; icon_color=&#8221;#a36405&#8243; icon_width=&#8221;36px&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#ffb84b&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;50px|49px|50px|49px|true|true&#8221; border_radii=&#8221;on|200px|200px|200px|200px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_text module_class=&#8221;Titre_30&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Field Experience  <\/h3>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We have carried out connectivity and format migrations on critical data streams, including in the context of a bank merger. This included environments where service interruption was not an option. <\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon font_icon=&#8221;&#xe035;||divi||400&#8243; icon_color=&#8221;#49a0f5&#8243; icon_width=&#8221;42px&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#a4d0fa&#8221; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;47px|48px|47px|48px|true|true&#8221; border_radii=&#8221;on|200px|200px|200px|200px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_text module_class=&#8221;Titre_30&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Data Before Tools<\/h3>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>We prioritize the quality of the data sources first, because no platform can correct incorrect data. An assessment of the data sources always precedes any decision regarding which tool to use. <\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.25.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_icon font_icon=&#8221;&#xf4ba;||fa||900&#8243; icon_color=&#8221;#0a6fcd&#8221; icon_width=&#8221;39px&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#49a0f5&#8243; custom_margin_tablet=&#8221;&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; custom_padding=&#8221;47px|47px|47px|47px|true|true&#8221; border_radii=&#8221;on|200px|200px|200px|200px&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_icon][et_pb_text module_class=&#8221;Titre_30&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Independence<\/h3>\n<p>[\/et_pb_text][et_pb_text module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>No licenses sold, no partnerships with publishers to uphold during arbitration. We remain your counterweight to the publisher during arbitration. <\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|tablet&#8221; admin_label=&#8221;SECTION INSIDE SQORUS&#8221; module_class=&#8221;Fond_blanc&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; custom_padding=&#8221;7rem||7rem||true|false&#8221; custom_padding_tablet=&#8221;5rem||5rem||true|false&#8221; custom_padding_phone=&#8221;5rem||5rem||true|false&#8221; locked=&#8221;off&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||||false|false&#8221; custom_padding=&#8221;0px||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; 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global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">The Cash Management &#038; Treasury IT Team at SQORUS<\/h2>\n<h2><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; module_class=&#8221;LargeurBox&#8221; _builder_version=&#8221;4.26.1&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.23.1&#8243; _module_preset=&#8221;default&#8221; background_color=&#8221;#FFFFFF&#8221; custom_padding=&#8221;20px|40px|20px|40px|true|true&#8221; border_radii=&#8221;on|23px|23px|23px|23px&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_team_member name=&#8221;Yann SAINTE-ROSE&#8221; position=&#8221;Cash Management, Treasury &#038; 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body_font_size=&#8221;15px&#8221; position_text_align=&#8221;center&#8221; position_text_color=&#8221;gcid-body-color&#8221; position_font_size=&#8221;15px&#8221; position_line_height=&#8221;22px&#8221; border_radii_image=&#8221;on|300px|300px|300px|300px&#8221; global_colors_info=&#8221;{%22gcid-primary-color%22:%91%22header_text_color%22%93,%22gcid-body-color%22:%91%22body_text_color%22,%22position_text_color%22%93}&#8221;]<\/p>\n<p>Certified SAFe Product Owner \/ Product Manager<\/p>\n<p>[\/et_pb_team_member][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; make_equal=&#8221;on&#8221; module_class=&#8221;LargeurBox&#8221; _builder_version=&#8221;4.26.1&#8243; _module_preset=&#8221;default&#8221; module_alignment=&#8221;center&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|phone&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; 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global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>ISO 20022 Guide &#8211; 6 Steps to Prevent Payment Rejections<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Texte&#8221; module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Unstructured addresses will soon be permanently rejected by banks. No exceptions. No extensions. Ensure a smooth transition with our guide!   <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.sqorus.com\/en\/guide-iso-20022-avoid-payment-rejections\/&#8221; button_text=&#8221;Download&#8221; button_alignment=&#8221;left&#8221; module_class=&#8221;Bouton fond_orange&#8221; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/04\/Bandeau-Guide-ISO-20022.png&#8221; alt=&#8221;SQORUS Ebook: HR Innovation&#8221; title_text=&#8221;Guide banner &#8211; ISO 20022&#8243; _builder_version=&#8221;4.27.6&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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module_class=&#8221;SousTitre&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;|||on|||||&#8221; text_font_size=&#8221;13px&#8221; text_letter_spacing=&#8221;1px&#8221; custom_margin=&#8221;||10px||false|false&#8221; text_orientation_tablet=&#8221;&#8221; text_orientation_phone=&#8221;center&#8221; text_orientation_last_edited=&#8221;on|tablet&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p style=\"text-align: center;\">Our Experience<\/p>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||20px||false|false&#8221; custom_margin_tablet=&#8221;||20px||false|false&#8221; custom_margin_phone=&#8221;||40px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2 style=\"text-align: center;\">They entrusted us with their Treasury Information System<\/h2>\n<p>&nbsp;<\/p>\n<h2><\/h2>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; 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text_font=&#8221;Roboto||||||||&#8221; text_font_size=&#8221;30px&#8221; header_font=&#8221;||||||||&#8221; header_2_font=&#8221;||||||||&#8221; header_3_font=&#8221;Cabin Sketch||||||||&#8221; header_3_font_size=&#8221;60px&#8221; header_4_font=&#8221;Rubik||||||||&#8221; header_4_font_size=&#8221;16px&#8221; background_color=&#8221;rgba(255,255,255,0.2)&#8221; text_orientation=&#8221;center&#8221; background_layout=&#8221;dark&#8221; max_width=&#8221;120px&#8221; custom_margin=&#8221;||||false&#8221; custom_padding=&#8221;15px||15px|&#8221; border_radii=&#8221;on|20px|20px|20px|20px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>1<\/p>\n<p>[\/et_pb_text][et_pb_text _builder_version=&#8221;4.27.7&#8243; text_font=&#8221;||||||||&#8221; text_line_height=&#8221;2em&#8221; header_font=&#8221;||||||||&#8221; header_3_font=&#8221;||||||||&#8221; header_3_font_size=&#8221;18px&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;Rubik||||||||&#8221; header_4_font_size=&#8221;16px&#8221; header_4_line_height=&#8221;1.5em&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;||||false&#8221; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>Merger of Two Banking Networks<\/h3>\n<p>[\/et_pb_text][et_pb_toggle title=&#8221;Learn more&#8221; open_toggle_text_color=&#8221;#ffffff&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_text_color=&#8221;#ffffff&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#ffffff&#8221; toggle_icon=&#8221;&#x3b;||divi||400&#8243; open_icon_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.27.7&#8243; title_font=&#8221;Roboto||||||||&#8221; closed_title_font=&#8221;Roboto Flex||||||||&#8221; body_font=&#8221;Roboto Flex||||||||&#8221; body_text_color=&#8221;#ffffff&#8221; body_font_size=&#8221;16px&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; border_width_all=&#8221;0px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Mapping of affected data flows, SWIFTNet and EBICS migration, impact analysis on MT and MX formats, and management of end-to-end acceptance testing.<\/p>\n<p>[\/et_pb_toggle][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; 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text_font=&#8221;||||||||&#8221; text_line_height=&#8221;2em&#8221; header_font=&#8221;||||||||&#8221; header_3_font=&#8221;||||||||&#8221; header_3_font_size=&#8221;18px&#8221; header_3_line_height=&#8221;1.3em&#8221; header_4_font=&#8221;Rubik||||||||&#8221; header_4_font_size=&#8221;16px&#8221; header_4_line_height=&#8221;1.5em&#8221; background_layout=&#8221;dark&#8221; custom_margin=&#8221;||||false&#8221; custom_padding=&#8221;|||&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h3>International Tourism Group<\/h3>\n<p>[\/et_pb_text][et_pb_toggle title=&#8221;Learn more&#8221; open_toggle_text_color=&#8221;#ffffff&#8221; open_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; closed_toggle_text_color=&#8221;#ffffff&#8221; closed_toggle_background_color=&#8221;rgba(0,0,0,0)&#8221; icon_color=&#8221;#ffffff&#8221; toggle_icon=&#8221;&#x3b;||divi||400&#8243; open_icon_color=&#8221;#ffffff&#8221; _builder_version=&#8221;4.27.7&#8243; title_font=&#8221;Roboto||||||||&#8221; closed_title_font=&#8221;Roboto Flex||||||||&#8221; 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H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_font_size=&#8221;45px&#8221; header_2_text_align=&#8221;left&#8221; header_2_text_align_tablet=&#8221;left&#8221; header_2_text_align_phone=&#8221;center&#8221; header_2_text_align_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>All solutions on the market, with no commitment to a specific vendor<\/h2>\n<h2><\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Texte&#8221; module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; text_font=&#8221;||||||||&#8221; text_text_color=&#8221;#5a6670&#8243; text_line_height=&#8221;30px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li><strong>Protocols<\/strong>: EBICS, SWIFTNet (FIN, FileAct), service bureau, SFTP, banking APIs.<\/li>\n<li><strong>Formats<\/strong>: ISO 20022 (PAIN, CAMT, PACS), SEPA (SCT, SDD, SCT Inst), SWIFT MT and MX.<\/li>\n<li><strong>Platforms<\/strong>: Finastra (ePF, CTI), Kyriba, Diapason, Axway, payment orchestrators.<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; 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That&#8217;s already a step in the right direction. It only takes 30 minutes to turn that into a clear path forward!  <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.sqorus.com\/en\/contact\/&#8221; button_text=&#8221;Contact SQORUS&#8221; button_alignment=&#8221;center&#8221; module_class=&#8221;Bouton fond_orange&#8221; _builder_version=&#8221;4.25.1&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;2rem||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; module_class=&#8221;Fond_gris&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; background_enable_color=&#8221;off&#8221; background_enable_image=&#8221;off&#8221; background_size=&#8221;contain&#8221; background_position=&#8221;top_right&#8221; z_index=&#8221;100&#8243; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;80px||80px||true|false&#8221; background_color_phone=&#8221;#c8d4d5&#8243; background_last_edited=&#8221;on|phone&#8221; background_enable_color_phone=&#8221;on&#8221; use_background_color_gradient_phone=&#8221;off&#8221; background_enable_image_tablet=&#8221;off&#8221; background_enable_image_phone=&#8221;off&#8221; background_position_phone=&#8221;top_left&#8221; saved_tabs=&#8221;all&#8221; collapsed=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_row column_structure=&#8221;3_5,2_5&#8243; module_class=&#8221;LargeurBox&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;0px||0px||true|false&#8221; custom_padding=&#8221;0px||0px||true|false&#8221; collapsed=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;3_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text admin_label=&#8221;Titre &#8211; H2&#8243; module_class=&#8221;Titre_40&#8243; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|true&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<h2>Guide &#8211; Payment Factory, Hub &#038; Orchestrator Program<\/h2>\n<p>[\/et_pb_text][et_pb_text admin_label=&#8221;Texte&#8221; module_class=&#8221;TexteCorps&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; custom_padding=&#8221;||||false|false&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Are you leading a payments transformation program? Before choosing your architecture, take the time to identify your risk areas: that\u2019s what sets a successful transformation apart from those that will become tomorrow\u2019s legacy systems. <\/p>\n<p>[\/et_pb_text][et_pb_button button_url=&#8221;https:\/\/www.sqorus.com\/en\/guide-payment-factory-hub-orchestrator-program-payment-transformations-legacy\/&#8221; button_text=&#8221;Download&#8221; button_alignment=&#8221;left&#8221; module_class=&#8221;Bouton fond_orange&#8221; _builder_version=&#8221;4.27.7&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][et_pb_column type=&#8221;2_5&#8243; _builder_version=&#8221;4.21.0&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/www.sqorus.com\/wp-content\/uploads\/2026\/08\/Programme-Payment-Factory-Hub-Orchestrateur-png.png&#8221; alt=&#8221;SQORUS Ebook: HR 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flows.<\/p>\n","protected":false},"author":19,"featured_media":55688,"parent":37128,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","content-type":"","_ayudawp_aiss_exclude":false,"_ayudawp_aiss_exclude_summary":false,"footnotes":""},"class_list":["post-55678","page","type-page","status-publish","has-post-thumbnail","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>ISO 20022: Migration Consulting and Payment Flows - SQORUS<\/title>\n<meta name=\"description\" content=\"Our experts will guide you through your ISO 20022 migration: assessment, roadmap, and validation of your payment flows.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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