Richer payment data creates opportunities for automation, but its value depends on how businesses use it. Oleg Seitov, Head of Finance at xpate, brings this practical question to PAY360 2026: how can financial institutions turn standards such as ISO 20022 into simpler processes, less manual work and better margins?

Oleg connects the industry’s move towards detailed transaction data with the realities of putting it to work, including legacy banking systems, real-time access and privacy requirements, reflecting xpate’s focus on bringing payments and banking together around business needs.