AI for Payments Operations and Investigations

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TxFlow

Fix your data.

~60%

of debtor addresses in CBPR+ payments were still unstructured, mid-2026

  • Swift's deadline will come again
  • Sanctions false positives can be reduced now

Structuring and remediation of financial messaging data.

  • ISO 20022 and legacy MT in. Hybrid or fully structured out.
  • Uncertain results go to review, not to a guess.
  • Field-level audit trail. Source fidelity preserved.

From unstructured addresses…

<PstlAdr>
   <AdrLine>HOOGSTRAAT 6
   <AdrLine>18TH FLOOR
   <AdrLine>1000 BRUSSELS, BELGIUM
</PstlAdr>

… to hybrid addresses

<PstlAdr>
   <PstCd>1000
   <TwnNm>BRUSSELS
   <Ctry>BE
   <AdrLine>HOOGSTRAAT 6, 18TH FLOOR
</PstlAdr>
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TxAgent

Use your data.

$1.6bn/year

spent investigating delayed payments (E&I), industry-wide

  • Information gathering can be automated
  • AI prepares. Humans approve.

AI-assisted payment investigations and operational workflows.

  • Finds likely root causes across messages and evidence.
  • Drafts resolutions. A person reviews and decides.
  • Natural language, MCP and workflow integrations.

One case, start to finish

  1. Capture the exception message

    camt.110

    <InvstgtnTp>
       <Cd>CONR</Cd>
    </InvstgtnTp>

    Cover not received, on reference b542-4233, with a correspondent waiting.

  2. Gather the evidence

    • found pacs.008 the customer transfer, on that same reference
    • missing pacs.009 the cover payment, never sent
    • checked camt.054 the account, showing no matching debit

    Asked in natural language, from Claude Desktop.

  3. Draft the resolution

    • draft pacs.009 the cover that is owed
    • draft camt.111 the reply to the asking bank

    Evidence attached, duplicate risk ruled out. Nothing is sent until a person approves.

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Insights and updates

Technical insight, product developments and practical experience with ISO 20022, payment operations and AI.

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About Alpina Analytics

Alpina Analytics is a Swiss software company working in financial messaging, payment operations and applied AI.

Google Cloud Partner

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