Banking technology
⚠️ Deadline Passed - Emergency Migration Available
🏦 Banking Sector Solution

Post-deadline ISO 20022 emergency migration.

SWIFT MT to ISO 20022 migration with validated MX message generation. Banks still using MT messages are experiencing payment rejections. Emergency migration services available now.

Start ISO 20022 Migration → Talk to Banking Specialist

Nov 2026

Deadline

99.999%

Uptime SLA

76

Regulations Mapped

ISO 20022 Live Monitor

pacs.008 (Customer Credit)

MX Message • €2.4M

SETTLED

pacs.009 (Institution)

MX Message • $15M

PROCESSED

MT103 → pacs.008

Mapped • GBP 850K

CONVERTED

camt.053 (Statement)

End-of-Day • 12,847 items

GENERATED
Banking Challenges

The ISO 20022 imperative

The November 2026 deadline has passed. Banks still running COBOL payment systems with MT messages are facing payment rejections and network exclusion.

🚨

Payment Rejections

Banks still using SWIFT MT messages are experiencing payment rejections. Emergency ISO 20022 migration is now critical to maintain correspondent banking relationships.

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Rich Data Requirements

ISO 20022 requires structured, richer data than MT messages. Legacy COBOL systems weren't designed for this level of data granularity.

🌍

Global Correspondent Banking

Banks that don't migrate will be cut off from the global payment network. The risk of failed payments and lost business is real.

📊

Regulatory Fingerprint

Every jurisdiction encodes regulation differently. UK FCA rules ≠ German BaFin rules. We map these patterns across 76 regulations.

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Quantum-Safe Readiness

NIST finalized PQC standards in 2024. Critical infrastructure must begin migration planning. COBOL payment systems are directly in scope.

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$3 Trillion Daily Volume

Daily transaction volume processed by COBOL banking systems globally. Any disruption impacts the entire financial system.

Banking modernization
The Solution

COBOL Bridge for Banking

The only platform with a validated ISO 20022 migration pathway for COBOL systems. SWIFT MT ↔ MX bidirectional mapping with MCP governance layer.

  • 🔄

    ISO 20022 Bridge

    SWIFT MT to MX message conversion with full validation. All pacs, camt, and pain message types supported.

  • 🛡️

    Regulatory Fingerprint

    Cross-jurisdiction encoding patterns mapped. How FCA, BaFin, and others implement the same rules differently.

  • 🔐

    PQC Assessment

    Post-quantum cryptography readiness for NIST standards. Government and defence contract ready.

  • ✓

    Behavioral Validation

    Prove equivalence with production traffic. Run parallel systems before cutover. Zero downtime guaranteed.

Start Your ISO 20022 Migration →
Compliance

Built for banking regulation

Pre-configured compliance packs for the frameworks that matter to banks.

✓ ISO 20022
✓ DORA
✓ GDPR
✓ PSD2
✓ SOC 2 Type II
✓ ISO 27001
✓ PCI DSS
✓ Basel III
Case Study

Tier-1 Bank ISO 20022 Migration

A major European bank completed their ISO 20022 migration 3 months ahead of schedule. COBOL Bridge generated 847 MX message mappings in 6 weeks with zero downtime.

847

MX Mappings

6 weeks

Time to Production

0

Minutes Downtime

3mo

Ahead of Deadline

"We mapped our entire payment infrastructure to ISO 20022 in weeks, not years. The Regulatory Fingerprint feature showed us exactly how our FCA implementations differed from our German subsidiary's BaFin approach."

SC
Sarah Chen

Head of Payments Engineering, Tier-1 Bank

Integrations

Works With Your Existing Stack

Seamlessly integrate with your core banking systems and infrastructure.

🏦

Core Banking

Temenos, FIS, Fiserv, Jack Henry

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Payment Networks

SWIFT, SEPA, Fedwire, CHIPS

☁️

Cloud Platforms

AWS, Azure, GCP, IBM Cloud

🔐

Identity & Security

OAuth 2.0, SAML, LDAP, HSM

Testimonials

Trusted by Banking Leaders

See what banking executives say about their modernization journey.

★★★★★

"COBOL Bridge helped us modernize 40-year-old payment systems without any service disruption. The ISO 20022 migration was completed 3 months ahead of schedule."

MK
Michael Kovacs

CTO, European Investment Bank

★★★★★

"The Regulatory Fingerprint feature alone saved us months of compliance work. We can now see exactly how our implementations differ across jurisdictions."

AL
Anna Lindqvist

Head of Compliance, Nordic Bank

★★★★★

"We went from quarterly releases to daily deployments. The rollback capability gives us confidence to ship faster without fear of breaking legacy systems."

RJ
Rajesh Iyer

VP Engineering, Asia Pacific Bank

FAQ

Banking Migration Questions

Common questions about ISO 20022 migration for banks.

What happens if we miss the November 2026 ISO 20022 deadline?

Banks that don't migrate by the deadline risk payment message rejections, failed cross-border transactions, and potential exclusion from the SWIFT network. We offer emergency migration services for banks running behind schedule.

How do you ensure zero downtime during migration?

Our parallel deployment approach runs legacy and modern systems simultaneously. We validate behavioral equivalence before cutover, and one-click rollback ensures you can revert instantly if needed.

Can you handle our custom COBOL extensions?

Yes. Our discovery engine maps your custom copybooks, program extensions, and proprietary data formats. We preserve your business logic while creating standards-compliant APIs.

How long does a typical banking migration take?

Most banks see first APIs within 48 hours. A complete ISO 20022 migration typically takes 6-12 weeks depending on complexity. We've completed migrations for Tier-1 banks in as little as 6 weeks.

What compliance frameworks are supported?

We support ISO 20022, DORA, GDPR, PSD2, SOC 2 Type II, ISO 27001, PCI DSS, Basel III, and more. Our Regulatory Fingerprint feature maps jurisdiction-specific implementations.

Banking Package

ISO 20022 Migration Pricing

Everything you need for ISO 20022 migration before the deadline.

ISO 20022 Migration

Complete Banking Modernization

For banks migrating to ISO 20022 before November 2026

$4,999/month
Start Migration Now →
Get Started

Ready for your ISO 20022 migration?

Get a free migration assessment, timeline, and pilot roadmap. Don't miss the November 2026 deadline.

Start ISO 20022 Migration → Talk to Specialist