Catalyst Data Intelligence

AI-powered

address structuring for

ISO 20022 ready payments

The upcoming change

As part of Standard Release 2026, Swift will remove unstructured postal addresses from the network.

From 14 November 2026, payment messages that do not meet structured address requirements will no longer be supported. Financial institutions must ensure their data is prepared ahead of this deadline.

This creates a direct risk of:

Payment rejections

Operational disruption

Increased exception handling

What is required

ISO 20022 introduces strict requirements for address data.

At a minimum, the following fields must be provided:

Town or City

Country disruption

The solution

Catalyst Data Intelligence uses AI to structure address data in line with ISO 20022 requirements, integrating seamlessly into existing payment flows while maintaining full control over data and models.

Our expertise

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AI-based address structuring

Country-specific models convert unstructured postal addresses into ISO-compliant formats

Model management & customization

Train and fine-tune models using your own data or alternative standards, with automated evaluation and performance reporting

Automated geo-enrichment

Complete missing address elements such as Town or Country to ensure message acceptance

Address extraction from documents

Extract address data from both text-based and image-based documents

On-premise deployment

All models and data remain within your environment, ensuring security and compliance

Problems solved

Catalyst Data Intelligence addresses key data challenges across payment operations:

Ensures required address fields are present and correctly formatted

Corrects missing or invalid details

Supports both hybrid and fully structured standards

Improves overall data quality across payment messages

Business impact

Structured data enables measurable improvements across payment operations:

Reduced payment failures and repair rates

Increased Straight-Through Processing

Lower operational costs

Improved accuracy in AML and sanctions screening

Enhanced client experience

Prepare for November 2026

ISO 20022 is not only a messaging standard. It is a data transformation requirement. Early preparation is essential to ensure continuity of payment operations and avoid disruption.

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