Architecting for the Future

The transition to ISO 20022 hybrid/structured address standards is accelerating and is expected to change how systems structure, transmit, and process payment data. By November 14, 2026, cross-border payments sent via SWIFT are expected to require hybrid or fully structured address formats when a postal address is provided. For technology and operations leaders, this cross-ecosystem shift introduces potential friction: legacy unstructured data setups may lead to payment delays, increased manual exceptions, and system repair churn.

In this joint session, J.P. Morgan and FISPAN combine banking architecture expertise with practical ERP integration strategies to help your technology teams prepare their infrastructure effectively—without overloading internal resources.

What you’ll learn:

• The Technical Shift: Understanding the precise requirements moving from unstructured to hybrid and fully structured address data (including the minimum requirements for Town/City and ISO 3166-1 alpha-2 country codes).
• System Readiness & H2H Testing: How to validate message structure and data quality using internal ERP tooling and J.P. Morgan testing environments and validation processes for end-to-end H2H files (availability may vary by product and channel).
• Automating the Migration: How organizations are leveraging seamless API and ERP integrations—such as FISPAN’s data transformation capabilities—to help standardization address data and reduce manual transformation work.
• Beyond the Mandate: How treating this as a data quality uplift may support improved screening data quality, reduced exception handling, and better integration architectures for future transaction banking capabilities.