data-search="🌱 our new ai explain & canada rtr🌹 newsletter | april 2026 hi there, see us at nacha smarter faster payments and payments canada summit. we've been simplifying payments testing for banks and market infrastructures for nearly 2 decades. come talk to us about your payment testing needs - and pick up one of our finnish quality t-shirts. payment file testing combined with ai explain what if your bank could provide precise and accurate information to your clients about issues in client payment files - combined with ai to explain the issues in simple terms and suggest fixes. watch our video. canada and rtr read about rtr, the new real time payments infrastructure for canada - a new payments model, a new testing imperative and the rise of the productised "test bank". link. meet us at nacha smarter faster payment, san diego, april 26-29 — link next generation nordics, stockholm, april 28 — link the 2026 payments canada summit, may 5-7, toronto — link eacha 20 may 2026, skopje, link nordic fintech summit, may 21, helsinki, may 21, link ebaday, copenhagen, june 16 - 17, link if you attend any of these events, drop us a note and arrange to meet! if you attend any of these events, drop us a note and arrange to meet! xmldation contact sales [at]xmldation.com xmldation, peltokatu 26, tampere, finland follow us">
data-search="rtr in canada: a new payments model and a new testing imperative canada’s payments sector will undergo change in 2026 with the introduction of its long-awaited real-time rail (rtr) – a new national infrastructure designed to move money instantly, 24/7/365, built on the richer, data-driven iso 20022 messaging standard.">
data-search="❄️ new interactive message guides & 2026 travels ✈️ newsletter | february 2026 hi there, xmldation held their company week in lapland this year. took a trip with some world class huskies. skillful team, fast but trained for long distance, heading in a clear direction – just like the xmldation team. new to payment file testing - interactive documentation based on the needs of xmldation’s bank customers across europe and north america, we co-created a new interactive documentation feature that streamlines how message implementation guides and sample files are managed and, most importantly for bank customers, how the guides are shared. the interactive documentation is an add-on that complements our classic validation tool and can be accessed by bank customers using their standard credentials. read more about how we take message implementation guides to the next level, or take a look at our demo videos. iso 20022 in the uk - pay360, mar 25 / 26 bank of england chaps is now fully iso 20022 - next step faster payments? xmldation will take a booth at pay360 and look forward to speaking with uk banks about our experience in the uk, and our self-service payments testing solutions. meet us at booth c4 just inside the entrance hall 😎. summer is coming ... you might like one of our t-shirts. xmldation for central banks - istanbul, mar 23 / 25 we will once again attend currency research event, to meet and talk with central banks and operators of real time infrastructures. meet us at stockholm fintech week, march 18-19 — link pay360, london, march 25-26 — link the central bank payments conference, istanbul, 23-25 march — link nacha smarter faster payment, san diego, april 26-29 — link next generation nordics, stockholm, april 28 — link the 2026 payments canada summit, may 5-7, toronto — link if you attend any of these events, drop us a note and arrange to meet! xmldation contact sales@xmldation.com xmldation, peltokatu 26, tampere, finland follow us">
data-search="taking message implementation guides to the next level based on the needs of xmldation’s bank customers across europe and north america, we co-created a new interactive documentation feature that streamlines how message implementation guides and sample files are managed and shared. we explore the benefits for both the banks and their clients">
data-search="iso 20022 hybrid and structured postal addresses: fostering corporate readiness as iso 20022 moves into its next phase, unstructured postal addresses will be phased out in favour of hybrid and fully structured formats by november 2026. xmldation explores how banks and corporates must now work together to ensure files are populated correctly, maintain straight-through processing, and meet evolving cbpr+ requirements">
data-search="press release: xmldation oy and pine & cone oy have entered a partnership xmldation oy and pine & cone oy have entered a partnership to jointly deliver new services to our client base. the partnership enables xmldation to deliver rails testing solutions designed for self-service and ease-of-use.">
data-search="project nexus: accelerating implementation through self-service testing project nexus – a global initiative from the bis innovation hub – aims to deliver instant cross-border payments. as implementation gathers pace, xmldation explores how testing tools can help streamline and accelerate the rollout.">
data-search="overcoming vop friction in batch payments the mandatory rollout of verification of payee (vop) across the single euro payments area (sepa) strengthens fraud prevention, but also brings potential challenges for banks and their corporate clients. in this article, xmldation explores how the industry is working to address them.">
data-search="cbpr+ and iso 20022: what’s changing and how to stay ahead the cross-border payments and reporting plus (cbpr+) initiative, led by swift, is a targeted effort to bring greater consistency to the use of iso 20022 formats in cross-border payment messaging. in this article, xmldation breaks down the latest developments, exploring what’s changing and how fis can stay ahead of the curve">
data-search="nacha app and aprp course: streamlining success: strategies for automated ach client onboarding the xmldation/nacha training course, strategies for automated ach client onboarding, is eligible for accredited ach professional (aap) and accredited payments risk professional (aprp) continuing education credit.">
data-search="past: payments canada summit 2025 toronto, here we come! meet us at the payments canada summit. the payments canada summit is the payment event of 2025 you don’t want to miss!">
data-search="past: ebaday 2025, 27-28 may this year's highly anticipated ebaday will be held in the city of paris and it will bring together esteemed payments experts from all throughout europe. this event, organised by the euro banking association and finextra research, cannot be missed.">
data-search="payment file testing services, how to build the business case for your bank once you've decided that payment file testing services solve a problem for your bank, next step is to socialise internally and do the hard work of preparing a business case and securing the budget. we've watched the process from the outside many times, and explain some of the components to consider for your business case.">
data-search="newsletter: january 2025:❄️ - webinar & interesting blog storm éowyn hit ireland in january with record-breaking wind strength and tampere finland is too warm for lunch-break skiing. weather varies, but xmldation simo® doesn't care about the weather. just keeps on going with finnish sisu. webinar : xmldation & nacha: streamlining success feb 27, 2025, 12:30 pm et join us at our webinar on feb 27th where we will be joined by mark dixon, payments expert and senior consultant at nacha. the webinar topic is streamlining success: strategies for automated ach client onboarding.">
data-search="the do’s and don’ts of technical onboarding during her sibos session – titled "improving the technical onboarding experience in payments” – tricia balfe, ceo of xmldation explored the do’s and don’ts of technical onboarding. this article summarises the main takeaways">
data-search="november 2024 : partners and blogs ⛄ traveling season is over and winter is coming. we learnt a lot from events in the us, middle east, and asia. direction is clear for payments across the globe: iso 20022, apis, digital ids, and real-time 24/7. regarding iso 20022, we’re keen to learn from our european bank customers and friends about where you are in your journey to the 2019 version. bank survey: iso 20022 2019 version we have three simple questions for banks on the rollout of version 2019. take the survey bancnet, philippines & fime partnership we are thrilled to be partnered with fime to deliver improved onboarding and testing processes for bancnet's real-time payments infrastructure. read about accelerating instapay adoption in the philippines. read more">
data-search="newsletter: october 2024 - sibos and afp time once again it is great sometimes to look to places afar. exciting trip upcoming to sibos in china. xmldation team has never visited before. we will make a diversion on the way to attend the annual eba global forum as usual.">
data-search="iso 20022: the foundation for the treasury of the future the iso 20022 migration is far from over. in the next phase, the focus for banks will be on supporting corporate treasury clients to unlock the full benefits afforded by the new standard. xmldation explores the change in mindset this require.">
data-search="nacha podcast iso 20022 and ach listen tricia balfe, ceo of xmldation, a nacha preferred partner for compliance and ach experience, kathy levin, nacha senior director, strategic payments analyst, and samantha carrier, associate managing director, nacha consulting as they explain the significance of iso 20022 and the ach network.">
data-search="newsletter: august 2024 - back to payment business ! summer was short, and a little snowy as usual. holidays are now in the rear view mirror, and new projects are starting.">
data-search="integrating iso 20022 into us ach operations as banks transition to iso 20022 for wires and instant payments, large corporates see the potential of expanding the adoption to other rails – such as the us ach network – to drive further treasury automation. xmldation explores how the mapping and testing of iso 20022 messages and ach formats can make this a reality">
data-search="rbnz introduce test automation for rtgs and csd with xmldation reserve bank of new zealand explains why they use xmldation simulator to address testing challenges during this period of considerable industry change.">
data-search="ach payments file testing for community and smaller regional us banks in the dynamic landscape of financial transactions, automated clearing house (ach) payments has remained a crucial component for facilitating cost effective electronic fund transfers since its introduction in the early 1970’s.">
data-search="what has iso 20022 ever done for me? the transition to iso 20022 will advance efforts to provide more and better transactional data, which is vital for the digital economy — bringing benefits to consumers, businesses, and regulators. changing to iso 20022 is needed to support digital transformation and automation, in financial services and beyond.">
data-search="iso 20022 and open banking: natural bedfellows with the iso 20022 migration now well underway, we consider how the standardisation of payment messages can complement the development of open banking and open finance.">
data-search="from hours to minutes: automating payment file testing for a us bank during the often-drawn-out corporate client onboarding process, the last thing a bank wants to encounter is the struggle of testing the file formats needed to process their new client’s payments. xmldation recently spoke with one of its client banks in the us to discover how the xmldation product has helped to resolve the problems encountered.">
data-search="uncovering 5 secrets for rapid client implementations and great customer experience in payments and corporate banking at payments canada summit in may 2019, we had the pleasure of inviting some world class experts in payments and corporate banking to join us on the stage for a panel discussion. in this panel discussion, the group uncovered some key secrets on how banks can help their clients to onboard to bank services. this post summarises the key findings – 5 secrets – from the panel, with direct links to highlights of the discussion.">
data-search="why is iso 20022 important for payment system operators? with the migration to iso 20022 now in full swing, much has been written on the benefits for banks and their clients – but the voices of other market players have gained less attention. in this blog, we explain why the iso 20022 migration is so important for payment system operators.">
data-search="three key payments considerations for banks in 2024 as banks look to stave off disintermediation from fintechs, while managing technical implementations and navigating new regulatory changes, xmldation explores the issues that should be top of mind in 2024.">
data-search="unraveling iso 20022: interview with samantha carrier at afp 2023 in san diego, we had the opportunity to interview samantha carrier, senior director of consultancy at nacha.">
data-search="fireside chat: redeeming the potential in corporate payments xmldation's head of sales & marketing, paula ruohoranta, and op financial group's business lead hanna äijälä dived into the world of corporate payments in their fireside chat "redeeming the potential in corporate payments - taking productivity leap through payment technologies and automation" at the nordic fintech summit, sharing experiences and discussing the future of this dynamic area. this blog post covers the highlights from their engaging discussion: how op is powering business processes beyond traditional book keeping for corporates, the importance of testing programmes as you introduce scalability in the support process for corporates, and exciting upcoming innovations in their api programme.">
data-search="nearly two decades of iso 20022 the payments market has changed dramatically since the publication of iso 20022 in 2004. new entrants, new technologies and a constant stream of regulation has meant that iso 20022 is being put through its paces.">