20022meddelanden

The term "20022meddelanden" refers to messages formatted according to the ISO 20022 standard. This is a global, open, and harmonized standard for the financial industry. It provides a common language for financial institutions and market infrastructures to communicate. The standard encompasses a range of message types used for various financial processes, including payments, securities transactions, and trade services.

ISO 20022 is structured around a methodology that defines a common business dictionary, a set of business process models, and a message definition component. This ensures consistency and interoperability across different systems and jurisdictions. The messages are typically represented in XML, making them machine-readable and easily integrated into diverse IT environments. The adoption of ISO 20022 aims to reduce complexity, improve straight-through processing, and enhance efficiency within the financial sector. Many central banks and payment systems worldwide are in the process of or have already migrated to ISO 20022 for their payment messaging.