Across the first three papers in this series, we have explored why asset servicing has reached a genuine inflection point. Rising volumes (growing at more than 25% year on year), shrinking timelines, and escalating regulatory expectations are colliding with operating models that were not designed for scale, transparency, or intraday control.
- In Part 1, we showed how structured data standards provide a route beyond legacy, manual workflows.
- In Part 2, we quantified how compression and fragmentation combine to increase cost and operational risk.
- In Part 3, we set out how ISO 20022 underpins a more mature, status driven operating model.
This final paper brings those strands together. Its purpose is not to make the business case for ISO 20022 in isolation, but to frame how firms can justify holistic change to their operating model, with ISO 20022 and messaging interoperability as the foundation that enables that change.
The central question many organisations are now asking is no longer “should we adopt ISO 20022?” but “how do we use it to redesign processes, controls, and decision making in a way that delivers sustained value?”
That observation captures the challenge this paper seeks to address.
