{"id":4207,"date":"2026-09-30T10:11:38","date_gmt":"2026-09-30T15:11:38","guid":{"rendered":"https:\/\/techxen.vikinglab.agency\/?p=98"},"modified":"2026-10-05T13:58:38","modified_gmt":"2026-10-05T18:58:38","slug":"iso-20022-y-swift-la-nueva-generacion-de-los-pagos-internacionales","status":"publish","type":"post","link":"https:\/\/novaticsas.com\/index.php\/2026\/09\/30\/iso-20022-y-swift-la-nueva-generacion-de-los-pagos-internacionales\/","title":{"rendered":"ISO 20022 y SWIFT: la nueva generaci\u00f3n de los pagos internacionales"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"4207\" class=\"elementor elementor-4207\">\n\t\t\t\t<div class=\"elementor-element elementor-element-56fddf6 e-flex e-con-boxed e-con e-parent\" data-id=\"56fddf6\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1fd4df6 elementor-widget elementor-widget-text-editor\" data-id=\"1fd4df6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Swift se\u00f1ala que m\u00e1s del 98 % de las instrucciones de pago ya se env\u00edan utilizando ISO 20022. El siguiente paso de esta evoluci\u00f3n est\u00e1 relacionado con la calidad y estructuraci\u00f3n de los datos, un aspecto fundamental para mejorar la automatizaci\u00f3n, el procesamiento y los controles asociados a las operaciones financieras.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f21f4b5 e-flex e-con-boxed e-con e-parent\" data-id=\"f21f4b5\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8284518 elementor-widget elementor-widget-text-editor\" data-id=\"8284518\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>ISO 20022: mucho m\u00e1s que un nuevo formato de mensajesLa transformaci\u00f3n de los pagos internacionales contin\u00faa avanzando hacia un modelo basado en datos m\u00e1s estructurados, interoperables y preparados para la automatizaci\u00f3n. La adopci\u00f3n de ISO 20022 est\u00e1 cambiando la forma en que las instituciones financieras y las organizaciones intercambian informaci\u00f3n durante el ciclo de los pagos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-528d497 elementor-widget elementor-widget-heading\" data-id=\"528d497\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ISO 20022: mucho m\u00e1s que un nuevo formato de mensajes<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-add556c e-con e-atomic-element e-div-block-base e-default-div \" data-id=\"add556c\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"add556c\">\n    \t\t<div class=\"elementor-element elementor-element-8e65993 elementor-widget elementor-widget-text-editor\" data-id=\"8e65993\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p dir=\"auto\" data-start=\"1725\" data-end=\"1931\"><span style=\"font-weight: normal;\">ISO 20022 establece un lenguaje com\u00fan para el intercambio de informaci\u00f3n financiera. Su principal aporte est\u00e1 en permitir transmitir informaci\u00f3n m\u00e1s rica, estructurada y granular durante el proceso de pago.<\/span><\/p><p dir=\"auto\" data-start=\"1936\" data-end=\"2286\"><span style=\"font-weight: normal;\">Esta evoluci\u00f3n facilita la integraci\u00f3n entre sistemas financieros, mejora la calidad de los datos y abre nuevas posibilidades para la automatizaci\u00f3n, el an\u00e1lisis y los procesos de cumplimiento. Swift destaca precisamente estos beneficios como parte de la evoluci\u00f3n hacia pagos m\u00e1s interoperables y automatizados.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-c95aed0 e-con-full e-flex e-con e-child\" data-id=\"c95aed0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-7b91e9c e-con-full e-flex e-con e-child\" data-id=\"7b91e9c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6ddc91b e-con-full e-flex e-con e-child\" data-id=\"6ddc91b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f09fbdc elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"f09fbdc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><g clip-path=\"url(#clip0_7911_15311)\"><mask id=\"mask0_7911_15311\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"20\" height=\"20\"><path d=\"M9.9974 18.3346C11.092 18.3361 12.176 18.1212 13.1872 17.7023C14.1985 17.2834 15.117 16.6688 15.8899 15.8938C16.6649 15.1209 17.2795 14.2024 17.6984 13.1911C18.1172 12.1799 18.3322 11.0959 18.3307 10.0013C18.3321 8.90676 18.1172 7.82272 17.6983 6.81149C17.2795 5.80026 16.6649 4.88177 15.8899 4.10881C15.117 3.33382 14.1985 2.71923 13.1872 2.30034C12.176 1.88146 11.092 1.66656 9.9974 1.66798C8.90285 1.66658 7.81881 1.8815 6.80758 2.30038C5.79635 2.71926 4.87786 3.33384 4.1049 4.10881C3.32993 4.88177 2.71535 5.80026 2.29647 6.81149C1.87759 7.82272 1.66267 8.90676 1.66407 10.0013C1.66265 11.0959 1.87756 12.1799 2.29644 13.1911C2.71532 14.2024 3.32991 15.1209 4.1049 15.8938C4.87786 16.6688 5.79635 17.2834 6.80758 17.7022C7.81881 18.1211 8.90285 18.336 9.9974 18.3346Z\" fill=\"white\" stroke=\"white\" stroke-width=\"1.66667\" stroke-linejoin=\"round\"><\/path><path d=\"M6.66406 10L9.16406 12.5L14.1641 7.5\" stroke=\"black\" stroke-width=\"1.66667\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/mask><g mask=\"url(#mask0_7911_15311)\"><path d=\"M0 0H20V20H0V0Z\" fill=\"#0E38B1\"><\/path><\/g><\/g><defs><clipPath id=\"clip0_7911_15311\"><rect width=\"20\" height=\"20\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Datos estructurados<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b4976c5 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"b4976c5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><g clip-path=\"url(#clip0_7911_15311)\"><mask id=\"mask0_7911_15311\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"20\" height=\"20\"><path d=\"M9.9974 18.3346C11.092 18.3361 12.176 18.1212 13.1872 17.7023C14.1985 17.2834 15.117 16.6688 15.8899 15.8938C16.6649 15.1209 17.2795 14.2024 17.6984 13.1911C18.1172 12.1799 18.3322 11.0959 18.3307 10.0013C18.3321 8.90676 18.1172 7.82272 17.6983 6.81149C17.2795 5.80026 16.6649 4.88177 15.8899 4.10881C15.117 3.33382 14.1985 2.71923 13.1872 2.30034C12.176 1.88146 11.092 1.66656 9.9974 1.66798C8.90285 1.66658 7.81881 1.8815 6.80758 2.30038C5.79635 2.71926 4.87786 3.33384 4.1049 4.10881C3.32993 4.88177 2.71535 5.80026 2.29647 6.81149C1.87759 7.82272 1.66267 8.90676 1.66407 10.0013C1.66265 11.0959 1.87756 12.1799 2.29644 13.1911C2.71532 14.2024 3.32991 15.1209 4.1049 15.8938C4.87786 16.6688 5.79635 17.2834 6.80758 17.7022C7.81881 18.1211 8.90285 18.336 9.9974 18.3346Z\" fill=\"white\" stroke=\"white\" stroke-width=\"1.66667\" stroke-linejoin=\"round\"><\/path><path d=\"M6.66406 10L9.16406 12.5L14.1641 7.5\" stroke=\"black\" stroke-width=\"1.66667\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/mask><g mask=\"url(#mask0_7911_15311)\"><path d=\"M0 0H20V20H0V0Z\" fill=\"#0E38B1\"><\/path><\/g><\/g><defs><clipPath id=\"clip0_7911_15311\"><rect width=\"20\" height=\"20\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Automatizaci\u00f3n<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a914b3d e-con-full e-flex e-con e-child\" data-id=\"a914b3d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-bef0114 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"bef0114\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><g clip-path=\"url(#clip0_7911_15311)\"><mask id=\"mask0_7911_15311\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"20\" height=\"20\"><path d=\"M9.9974 18.3346C11.092 18.3361 12.176 18.1212 13.1872 17.7023C14.1985 17.2834 15.117 16.6688 15.8899 15.8938C16.6649 15.1209 17.2795 14.2024 17.6984 13.1911C18.1172 12.1799 18.3322 11.0959 18.3307 10.0013C18.3321 8.90676 18.1172 7.82272 17.6983 6.81149C17.2795 5.80026 16.6649 4.88177 15.8899 4.10881C15.117 3.33382 14.1985 2.71923 13.1872 2.30034C12.176 1.88146 11.092 1.66656 9.9974 1.66798C8.90285 1.66658 7.81881 1.8815 6.80758 2.30038C5.79635 2.71926 4.87786 3.33384 4.1049 4.10881C3.32993 4.88177 2.71535 5.80026 2.29647 6.81149C1.87759 7.82272 1.66267 8.90676 1.66407 10.0013C1.66265 11.0959 1.87756 12.1799 2.29644 13.1911C2.71532 14.2024 3.32991 15.1209 4.1049 15.8938C4.87786 16.6688 5.79635 17.2834 6.80758 17.7022C7.81881 18.1211 8.90285 18.336 9.9974 18.3346Z\" fill=\"white\" stroke=\"white\" stroke-width=\"1.66667\" stroke-linejoin=\"round\"><\/path><path d=\"M6.66406 10L9.16406 12.5L14.1641 7.5\" stroke=\"black\" stroke-width=\"1.66667\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/mask><g mask=\"url(#mask0_7911_15311)\"><path d=\"M0 0H20V20H0V0Z\" fill=\"#0E38B1\"><\/path><\/g><\/g><defs><clipPath id=\"clip0_7911_15311\"><rect width=\"20\" height=\"20\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Interoperabilidad<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a13c7b6 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"a13c7b6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><g clip-path=\"url(#clip0_7911_15311)\"><mask id=\"mask0_7911_15311\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"20\" height=\"20\"><path d=\"M9.9974 18.3346C11.092 18.3361 12.176 18.1212 13.1872 17.7023C14.1985 17.2834 15.117 16.6688 15.8899 15.8938C16.6649 15.1209 17.2795 14.2024 17.6984 13.1911C18.1172 12.1799 18.3322 11.0959 18.3307 10.0013C18.3321 8.90676 18.1172 7.82272 17.6983 6.81149C17.2795 5.80026 16.6649 4.88177 15.8899 4.10881C15.117 3.33382 14.1985 2.71923 13.1872 2.30034C12.176 1.88146 11.092 1.66656 9.9974 1.66798C8.90285 1.66658 7.81881 1.8815 6.80758 2.30038C5.79635 2.71926 4.87786 3.33384 4.1049 4.10881C3.32993 4.88177 2.71535 5.80026 2.29647 6.81149C1.87759 7.82272 1.66267 8.90676 1.66407 10.0013C1.66265 11.0959 1.87756 12.1799 2.29644 13.1911C2.71532 14.2024 3.32991 15.1209 4.1049 15.8938C4.87786 16.6688 5.79635 17.2834 6.80758 17.7022C7.81881 18.1211 8.90285 18.336 9.9974 18.3346Z\" fill=\"white\" stroke=\"white\" stroke-width=\"1.66667\" stroke-linejoin=\"round\"><\/path><path d=\"M6.66406 10L9.16406 12.5L14.1641 7.5\" stroke=\"black\" stroke-width=\"1.66667\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/mask><g mask=\"url(#mask0_7911_15311)\"><path d=\"M0 0H20V20H0V0Z\" fill=\"#0E38B1\"><\/path><\/g><\/g><defs><clipPath id=\"clip0_7911_15311\"><rect width=\"20\" height=\"20\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Calidad de datos<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fad5c1c e-con-full e-flex e-con e-child\" data-id=\"fad5c1c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4ffe822 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"4ffe822\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><g clip-path=\"url(#clip0_7911_15311)\"><mask id=\"mask0_7911_15311\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"20\" height=\"20\"><path d=\"M9.9974 18.3346C11.092 18.3361 12.176 18.1212 13.1872 17.7023C14.1985 17.2834 15.117 16.6688 15.8899 15.8938C16.6649 15.1209 17.2795 14.2024 17.6984 13.1911C18.1172 12.1799 18.3322 11.0959 18.3307 10.0013C18.3321 8.90676 18.1172 7.82272 17.6983 6.81149C17.2795 5.80026 16.6649 4.88177 15.8899 4.10881C15.117 3.33382 14.1985 2.71923 13.1872 2.30034C12.176 1.88146 11.092 1.66656 9.9974 1.66798C8.90285 1.66658 7.81881 1.8815 6.80758 2.30038C5.79635 2.71926 4.87786 3.33384 4.1049 4.10881C3.32993 4.88177 2.71535 5.80026 2.29647 6.81149C1.87759 7.82272 1.66267 8.90676 1.66407 10.0013C1.66265 11.0959 1.87756 12.1799 2.29644 13.1911C2.71532 14.2024 3.32991 15.1209 4.1049 15.8938C4.87786 16.6688 5.79635 17.2834 6.80758 17.7022C7.81881 18.1211 8.90285 18.336 9.9974 18.3346Z\" fill=\"white\" stroke=\"white\" stroke-width=\"1.66667\" stroke-linejoin=\"round\"><\/path><path d=\"M6.66406 10L9.16406 12.5L14.1641 7.5\" stroke=\"black\" stroke-width=\"1.66667\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/mask><g mask=\"url(#mask0_7911_15311)\"><path d=\"M0 0H20V20H0V0Z\" fill=\"#0E38B1\"><\/path><\/g><\/g><defs><clipPath id=\"clip0_7911_15311\"><rect width=\"20\" height=\"20\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Integraci\u00f3n<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1d35a15 elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"1d35a15\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"20\" height=\"20\" viewBox=\"0 0 20 20\" fill=\"none\"><g clip-path=\"url(#clip0_7911_15311)\"><mask id=\"mask0_7911_15311\" style=\"mask-type:luminance\" maskUnits=\"userSpaceOnUse\" x=\"0\" y=\"0\" width=\"20\" height=\"20\"><path d=\"M9.9974 18.3346C11.092 18.3361 12.176 18.1212 13.1872 17.7023C14.1985 17.2834 15.117 16.6688 15.8899 15.8938C16.6649 15.1209 17.2795 14.2024 17.6984 13.1911C18.1172 12.1799 18.3322 11.0959 18.3307 10.0013C18.3321 8.90676 18.1172 7.82272 17.6983 6.81149C17.2795 5.80026 16.6649 4.88177 15.8899 4.10881C15.117 3.33382 14.1985 2.71923 13.1872 2.30034C12.176 1.88146 11.092 1.66656 9.9974 1.66798C8.90285 1.66658 7.81881 1.8815 6.80758 2.30038C5.79635 2.71926 4.87786 3.33384 4.1049 4.10881C3.32993 4.88177 2.71535 5.80026 2.29647 6.81149C1.87759 7.82272 1.66267 8.90676 1.66407 10.0013C1.66265 11.0959 1.87756 12.1799 2.29644 13.1911C2.71532 14.2024 3.32991 15.1209 4.1049 15.8938C4.87786 16.6688 5.79635 17.2834 6.80758 17.7022C7.81881 18.1211 8.90285 18.336 9.9974 18.3346Z\" fill=\"white\" stroke=\"white\" stroke-width=\"1.66667\" stroke-linejoin=\"round\"><\/path><path d=\"M6.66406 10L9.16406 12.5L14.1641 7.5\" stroke=\"black\" stroke-width=\"1.66667\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><\/path><\/mask><g mask=\"url(#mask0_7911_15311)\"><path d=\"M0 0H20V20H0V0Z\" fill=\"#0E38B1\"><\/path><\/g><\/g><defs><clipPath id=\"clip0_7911_15311\"><rect width=\"20\" height=\"20\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Cumplimiento<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a90215f elementor-widget elementor-widget-heading\" data-id=\"a90215f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfQu\u00e9 cambia para las organizaciones?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-21f14f3 e-con e-atomic-element e-div-block-base e-default-div \" data-id=\"21f14f3\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"21f14f3\">\n    \t\t<div class=\"elementor-element elementor-element-b695b91 elementor-widget elementor-widget-text-editor\" data-id=\"b695b91\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><span style=\"font-weight: normal;\">La adopci\u00f3n de ISO 20022 no representa \u00fanicamente un cambio en el formato de los mensajes. Tambi\u00e9n implica revisar la manera en que las organizaciones capturan, almacenan, transforman y transmiten informaci\u00f3n relacionada con los pagos.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n<div class=\"elementor-element elementor-element-8fdfae7 e-con-full e-flex e-con e-child\" data-id=\"8fdfae7\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-8d76f15 e-grid e-con-full e-con e-child\" data-id=\"8d76f15\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6f0d0cd e-con-full e-flex e-con e-child\" data-id=\"6f0d0cd\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b2a74ca elementor-widget elementor-widget-icon-box\" data-id=\"b2a74ca\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMayor calidad de informaci\u00f3n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLos datos estructurados permiten transportar informaci\u00f3n m\u00e1s completa y consistente durante el ciclo del pago.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7c2ff54 e-con-full e-flex e-con e-child\" data-id=\"7c2ff54\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-197295a elementor-widget elementor-widget-icon-box\" data-id=\"197295a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tM\u00e1s automatizaci\u00f3n\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tUna estructura de datos com\u00fan facilita la integraci\u00f3n entre sistemas y favorece procesos de procesamiento m\u00e1s automatizados.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-f7c0812 e-con-full e-flex e-con e-child\" data-id=\"f7c0812\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f1b3d03 elementor-widget elementor-widget-icon-box\" data-id=\"f1b3d03\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tMejor trazabilidad\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tLa disponibilidad de informaci\u00f3n m\u00e1s granular facilita el seguimiento y an\u00e1lisis de las operaciones.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-8dd4cf1 e-con-full e-flex e-con e-child\" data-id=\"8dd4cf1\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4826986 elementor-widget elementor-widget-icon-box\" data-id=\"4826986\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\n\t\t\t\t\t\t<div class=\"elementor-icon-box-content\">\n\n\t\t\t\t\t\t\t\t\t<h3 class=\"elementor-icon-box-title\">\n\t\t\t\t\t\t<span  >\n\t\t\t\t\t\t\tIntegraci\u00f3n tecnol\u00f3gica\t\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/h3>\n\t\t\t\t\n\t\t\t\t\t\t\t\t\t<p class=\"elementor-icon-box-description\">\n\t\t\t\t\t\tISO 20022 facilita la conexi\u00f3n entre plataformas financieras, sistemas empresariales y diferentes participantes del ecosistema de pagos.\t\t\t\t\t<\/p>\n\t\t\t\t\n\t\t\t<\/div>\n\t\t\t\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3ebd67f elementor-widget elementor-widget-heading\" data-id=\"3ebd67f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">El desaf\u00edo de los datos: la transici\u00f3n hacia direcciones estructuradas<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7473f40 elementor-widget elementor-widget-text-editor\" data-id=\"7473f40\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Uno de los pr\u00f3ximos hitos de la evoluci\u00f3n de ISO 20022 est\u00e1 relacionado con la informaci\u00f3n de las direcciones postales. A partir del <strong data-start=\"4932\" data-end=\"4959\">14 de noviembre de 2026<\/strong>, las direcciones totalmente no estructuradas dejar\u00e1n de ser aceptadas en los mensajes CBPR+ de pagos transfronterizos.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32d808f elementor-widget elementor-widget-text-editor\" data-id=\"32d808f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Las organizaciones deber\u00e1n utilizar direcciones completamente estructuradas o h\u00edbridas. Como m\u00ednimo, deber\u00e1n proporcionar informaci\u00f3n estructurada de ciudad y pa\u00eds cuando la direcci\u00f3n sea requerida.<\/p><p>Para las empresas, esto significa que la calidad de la informaci\u00f3n debe gestionarse desde los sistemas de origen. Los datos de clientes, proveedores y beneficiarios almacenados en ERP, sistemas de tesorer\u00eda y otras plataformas deber\u00e1n estar preparados para cumplir con los nuevos requisitos.<\/p>\n<p><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-db303b3 e-con-full e-flex e-con e-child\" data-id=\"db303b3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-975dd8f elementor-widget elementor-widget-image\" data-id=\"975dd8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"530\" height=\"396\" src=\"https:\/\/novaticsas.com\/wp-content\/uploads\/2026\/09\/Blog1.png\" class=\"attachment-large size-large wp-image-5348\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-35a430f elementor-widget elementor-widget-text-editor\" data-id=\"35a430f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p><strong data-start=\"6625\" data-end=\"6702\">La preparaci\u00f3n debe comenzar en los sistemas donde se originan los datos.<\/strong> ERP, plataformas de tesorer\u00eda, aplicaciones empresariales y canales de pago deben estar preparados para capturar y transmitir informaci\u00f3n estructurada de manera consistente.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-92f88a6 elementor-widget elementor-widget-text-editor\" data-id=\"92f88a6\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>Swift recomienda a las organizaciones revisar sus datos de origen y asegurarse de que la informaci\u00f3n requerida est\u00e9 disponible en sus sistemas antes de iniciar el proceso de pago.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ba4ff83 e-con-full e-flex e-con e-child\" data-id=\"ba4ff83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-421bf0d e-con-full e-flex e-con e-child\" data-id=\"421bf0d\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-cb03786 elementor-widget elementor-widget-image\" data-id=\"cb03786\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"371\" height=\"251\" src=\"https:\/\/novaticsas.com\/wp-content\/uploads\/2026\/09\/Blog1A.png\" class=\"attachment-full size-full wp-image-5349\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-877f7a1 e-con-full e-flex e-con e-child\" data-id=\"877f7a1\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3b8c28e elementor-widget elementor-widget-image\" data-id=\"3b8c28e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"370\" height=\"250\" src=\"https:\/\/novaticsas.com\/wp-content\/uploads\/2026\/09\/Blog1B.png\" class=\"attachment-full size-full wp-image-5354\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b486921 elementor-widget elementor-widget-heading\" data-id=\"b486921\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">De la estandarizaci\u00f3n a la integraci\u00f3n tecnol\u00f3gica<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e05de8d elementor-widget elementor-widget-text-editor\" data-id=\"e05de8d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La evoluci\u00f3n de los pagos internacionales demuestra la importancia de contar con arquitecturas tecnol\u00f3gicas capaces de integrar sistemas, datos y plataformas especializadas.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6525006 elementor-widget elementor-widget-text-editor\" data-id=\"6525006\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p class=\"PDq2pG_selectionAnchorContainer\" dir=\"auto\" data-start=\"7946\" data-end=\"8157\">La adopci\u00f3n de est\u00e1ndares como ISO 20022 requiere una visi\u00f3n integral que considere aplicaciones empresariales, modelos de datos, integraciones, procesos de validaci\u00f3n y mecanismos de intercambio de informaci\u00f3n.<\/p><p>\u00a0<\/p><p dir=\"auto\" data-start=\"8162\" data-end=\"8346\">En este contexto, la modernizaci\u00f3n tecnol\u00f3gica permite construir ecosistemas m\u00e1s preparados para la automatizaci\u00f3n, la interoperabilidad y las nuevas necesidades del sector financiero.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3e46897 e-con-full e-flex e-con e-child\" data-id=\"3e46897\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2a9dece elementor-widget elementor-widget-heading\" data-id=\"2a9dece\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">\u00bfTu organizaci\u00f3n est\u00e1 preparada para la evoluci\u00f3n de los pagos?<\/h2>\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7740fde e-con e-atomic-element e-div-block-base e-default-div \" data-id=\"7740fde\" data-element_type=\"e-div-block\" data-e-type=\"e-div-block\" data-interaction-id=\"7740fde\">\n    \t\t<div class=\"elementor-element elementor-element-361f15d elementor-widget elementor-widget-text-editor\" data-id=\"361f15d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t\t\t\t\t\t<p>La modernizaci\u00f3n de sistemas financieros requiere integrar tecnolog\u00eda, datos y procesos de negocio. En NovaTic S.A.S. desarrollamos e integramos soluciones tecnol\u00f3gicas orientadas a las necesidades de cada organizaci\u00f3n.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\n<\/div>\n\t\t<div class=\"elementor-element elementor-element-0df2b58 elementor-widget elementor-widget-vl-button\" data-id=\"0df2b58\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"vl-button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t          \n                              <a class=\"vl-btn vl-btn1 vl-translatey \" href=\"https:\/\/novaticsas.com\/index.php\/contacto\/\" target=\"_blank\" rel=\"nofollow\" class=\"vl-el-btn\">Hablemos de tu proyecto \n                                        <span class=\"vl-btn-icon\"><svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fa-solid-arrow-right\" viewBox=\"0 0 448 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M190.5 66.9l22.2-22.2c9.4-9.4 24.6-9.4 33.9 0L441 239c9.4 9.4 9.4 24.6 0 33.9L246.6 467.3c-9.4 9.4-24.6 9.4-33.9 0l-22.2-22.2c-9.5-9.5-9.3-25 .4-34.3L311.4 296H24c-13.3 0-24-10.7-24-24v-32c0-13.3 10.7-24 24-24h287.4L190.9 101.2c-9.8-9.3-10-24.8-.4-34.3z\"><\/path><\/svg><\/span>\n                                   <\/a>\n               \n          \n\n          \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Swift se\u00f1ala que m\u00e1s del 98 % de las instrucciones de pago ya se env\u00edan utilizando ISO 20022. El siguiente paso de esta evoluci\u00f3n est\u00e1 relacionado con la calidad y estructuraci\u00f3n de los datos, un aspecto fundamental para mejorar la automatizaci\u00f3n, el procesamiento y los controles asociados a las operaciones financieras. 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