{"id":10398,"date":"2025-08-20T09:06:26","date_gmt":"2025-08-20T07:06:26","guid":{"rendered":"https:\/\/unifits.com\/?p=10398"},"modified":"2025-08-20T09:06:51","modified_gmt":"2025-08-20T07:06:51","slug":"iso-20022-was-ist-das","status":"publish","type":"post","link":"https:\/\/unifits.com\/de\/news\/iso-20022-was-ist-das\/","title":{"rendered":"ISO 20022 \u2013 Was ist das?"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"10398\" class=\"elementor elementor-10398 elementor-10370\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6c577ca7 e-flex e-con-boxed e-con e-parent\" data-id=\"6c577ca7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-6de9c2b6 e-con-full e-flex e-con e-child\" data-id=\"6de9c2b6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-349cf2b0 elementor-widget elementor-widget-heading\" data-id=\"349cf2b0\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">ISO 20022 revolutioniert den globalen Zahlungsverkehr<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-53c09845 elementor-widget elementor-widget-text-editor\" data-id=\"53c09845\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Als internationaler Finanzstandard ver\u00e4ndert er die Art und Weise, wie Banken, Unternehmen und Zahlungsdienstleister weltweit Daten austauschen. Mit dieser neuen Kommunikationssprache wird der <strong>Zahlungsverkehr sicherer und transparenter<\/strong> gestaltet.<\/p><p>Immer mehr Banken weltweit stellen auf ISO 20022 um, um mit den regulatorischen Finanzanforderungen Schritt zu halten und die <strong>Vorteile der digitalen Transformation<\/strong> voll auszusch\u00f6pfen. Der Standard wird zunehmend zur Grundlage f\u00fcr moderne Zahlungsprozesse in einem global vernetzten Finanzsystem. Dabei stehen nicht nur technische Aspekte im Vordergrund, sondern auch strategische <strong>Chancen f\u00fcr Effizienz, Wettbewerbsf\u00e4higkeit und Compliance.<\/strong><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2595e94e e-con-full e-flex e-con e-child\" data-id=\"2595e94e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-efa54f3 elementor-widget elementor-widget-image\" data-id=\"efa54f3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"686\" height=\"554\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2024\/12\/unifits_00888-1.png\" class=\"attachment-full size-full wp-image-6273\" alt=\"Ein junger Mann sitzt an seinem Arbeitsplatz und arbeitet am Computer\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2024\/12\/unifits_00888-1.png 686w, https:\/\/unifits.com\/wp-content\/uploads\/2024\/12\/unifits_00888-1-300x242.png 300w\" sizes=\"auto, (max-width: 686px) 100vw, 686px\" \/>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-662886ee e-flex e-con-boxed e-con e-parent\" data-id=\"662886ee\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-25085caf e-con-full e-flex e-con e-child\" data-id=\"25085caf\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-108ce934 elementor-widget elementor-widget-heading\" data-id=\"108ce934\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">ISO 20022: Das Wichtigste zusammengefasst:<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1c91109 elementor-widget elementor-widget-heading\" data-id=\"1c91109\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">ISO 20022 einfach erkl\u00e4rt<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2458cfc elementor-widget elementor-widget-text-editor\" data-id=\"2458cfc\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>ISO 20022 ist ein <strong>internationaler Standard f\u00fcr Finanznachrichten.<\/strong> Er erm\u00f6glicht den strukturierten und einheitlichen Austausch von Zahlungsinformationen zwischen Banken und Unternehmen. Das bedeutet, dass <strong>Zahlungen leichter grenz\u00fcberschreitend verarbeitet werden<\/strong> k\u00f6nnen und Fehler deutlich seltener auftreten.<\/p>\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-17ac880 elementor-widget elementor-widget-heading\" data-id=\"17ac880\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Warum ist ISO 20022 wichtig?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a8ecc68 elementor-widget elementor-widget-text-editor\" data-id=\"a8ecc68\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Der Standard verbessert die Datenqualit\u00e4t, beschleunigt Prozesse, <strong>erh\u00f6ht die Sicherheit und senkt Fehlerquoten.<\/strong> Damit schafft er die Grundlage f\u00fcr automatisierte Abl\u00e4ufe, die Kosten und Risiken minimieren.<\/p>\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-45aa525 elementor-widget elementor-widget-heading\" data-id=\"45aa525\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Wer ist von ISO 20022 betroffen?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-194e017 elementor-widget elementor-widget-text-editor\" data-id=\"194e017\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Banken, Unternehmen, Zahlungsdienstleister, Finanzinstitute \u2013 kurz: <strong>jeder, der am Zahlungsverkehr teilnimmt.<\/strong><\/p>\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-fa14a2b elementor-widget elementor-widget-heading\" data-id=\"fa14a2b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Ab wann ist ISO 20022 verbindlich?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5affd45 elementor-widget elementor-widget-text-editor\" data-id=\"5affd45\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In vielen Regionen \u2013 darunter Europa, Nordamerika und Teile Asiens \u2013 ist der Standard bereits verpflichtend oder wird aktiv eingef\u00fchrt. Auch in Afrika, S\u00fcdamerika und weiteren Teilen Asiens befinden sich zahlreiche L\u00e4nder in der Umsetzungs- oder Planungsphase. Sp\u00e4testens bis <strong>2026 wird ISO 20022 weltweit<\/strong> zur dominierenden Kommunikationssprache im Zahlungsverkehr.<\/p><p>ISO 20022 betrifft damit nicht nur IT-Abteilungen oder Zahlungsabwickler, sondern erfordert ein <strong>Umdenken in der gesamten Organisation<\/strong> \u2013 von der Compliance bis zum Finanzmanagement. Eine fr\u00fchzeitige und durchdachte Implementierung bietet <strong>klare Wettbewerbsvorteile und reduziert das Risiko sp\u00e4terer Komplikationen.<\/strong> Auf unserer <a href=\"https:\/\/unifits.com\/de\/loesungen-fuer-fmi\/test-engine-fuer-fmi\/\">Testautomatisierungsseite <\/a>erfahren Sie, wie Unifits Sie bei der automatisierten Umsetzung unterst\u00fctzen kann.<\/p>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4f525e6 e-flex e-con-boxed e-con e-parent\" data-id=\"4f525e6\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-a83c82e e-con-full e-flex e-con e-child\" data-id=\"a83c82e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb85403 elementor-widget elementor-widget-heading\" data-id=\"fb85403\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Was ist ISO 20022? Grundlagen, Ziele und Anwendungsbeispiele der ISO 20022<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-a3a5f8a elementor-widget elementor-widget-heading\" data-id=\"a3a5f8a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Definition und Ursprung des Standards<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-aa8d38f elementor-widget elementor-widget-text-editor\" data-id=\"aa8d38f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>ISO 20022 ist ein von der internationalen Standardisierungsorganisation ISO definierter <strong>Nachrichtenstandard f\u00fcr den elektronischen Datenaustausch im Finanzbereich.<\/strong> Er wurde entwickelt, um die Vielzahl unterschiedlicher Formate in ein einheitliches System zu \u00fcberf\u00fchren.<\/p>\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-a3b6e63 elementor-widget elementor-widget-heading\" data-id=\"a3b6e63\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Zielsetzung: Einheitliche Finanznachrichten<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7eaf865 elementor-widget elementor-widget-text-editor\" data-id=\"7eaf865\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Der Hauptzweck von ISO 20022 ist es, weltweit standardisierte und strukturierte Finanznachrichten mit mehr Daten zu erm\u00f6glichen. Damit wird der Zahlungsverkehr <strong>zuverl\u00e4ssiger, automatisierter und zukunftssicher<\/strong> gestaltet. Zudem f\u00f6rdert die Standardisierung die Interoperabilit\u00e4t zwischen verschiedenen Zahlungssystemen und Softwarel\u00f6sungen. Besonders in Multi-Banking-Umgebungen bietet ISO 20022 entscheidende Vorteile \u2013 etwa durch <strong>konsistente Datenformate f\u00fcr Reporting, Liquidit\u00e4tsmanagement und Zahlungsabgleich<\/strong>. Das reduziert nicht nur den manuellen Aufwand, sondern er\u00f6ffnet neue M\u00f6glichkeiten f\u00fcr automatisierte Workflows.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-96bfcc2 e-con-full e-flex e-con e-child\" data-id=\"96bfcc2\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c2ad365 elementor-widget elementor-widget-image\" data-id=\"c2ad365\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"533\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/unifits_00676-scaled-1-1024x682.jpg\" class=\"attachment-large size-large wp-image-8362\" alt=\"\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/unifits_00676-scaled-1-1024x682.jpg 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/unifits_00676-scaled-1-300x200.jpg 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/unifits_00676-scaled-1-768x512.jpg 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/unifits_00676-scaled-1-1536x1024.jpg 1536w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/unifits_00676-scaled-1-2048x1365.jpg 2048w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-068c5c0 e-flex e-con-boxed e-con e-parent\" data-id=\"068c5c0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;,&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2b31a7b elementor-widget elementor-widget-heading\" data-id=\"2b31a7b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Kontaktieren Sie unsere Experten<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2695101 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"2695101\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/unifits.com\/de\/kontakt\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Jetzt Beratung anfordern<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\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<div class=\"elementor-element elementor-element-87471e9 e-flex e-con-boxed e-con e-parent\" data-id=\"87471e9\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-4569565 e-con-full e-flex e-con e-child\" data-id=\"4569565\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2ce1e5d elementor-widget elementor-widget-heading\" data-id=\"2ce1e5d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Welche Zahlungsarten sind betroffen?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-097494c elementor-widget elementor-widget-text-editor\" data-id=\"097494c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>ISO 20022 betrifft eine Vielzahl von Zahlungsarten, darunter:<\/p><ul><li>SEPA-\u00dcberweisungen (pain.001)<\/li><li>SEPA-Lastschriften (pain.008)<\/li><li>Internationale SWIFT-Zahlungen<\/li><li>Korrespondenzbankzahlungen<\/li><li>Hochwertige Gro\u00dfbetragszahlungen<\/li><\/ul><p>\u00a0<\/p>\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-52e20c8 elementor-widget elementor-widget-heading\" data-id=\"52e20c8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Welche Formate werden ersetzt?<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1bf96bd elementor-widget elementor-widget-text-editor\" data-id=\"1bf96bd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Die bisherigen MT-Nachrichtentypen, insbesondere im SWIFT-Netzwerk, werden <strong>schrittweise durch sogenannte MX-Formate ersetzt.<\/strong> Auch propriet\u00e4re Formate von Banken und ERP-Systemen weichen zunehmend ISO 20022-kompatiblen Nachrichtenstrukturen. Dies erleichtert die Integration und reduziert Schnittstellenkomplexit\u00e4t.<\/p>\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-50802a3 elementor-widget elementor-widget-heading\" data-id=\"50802a3\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Beispiel: ISO 20022 in der Praxis<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4926d00 elementor-widget elementor-widget-text-editor\" data-id=\"4926d00\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ein Unternehmen sendet eine strukturierte Zahlungsdatei im Format pain.001 an seine Bank. Dank ISO 20022 enth\u00e4lt diese Datei nicht nur den Betrag und Empf\u00e4nger, sondern auch strukturierte Adressdaten, UETR (Unique End-to-End Transaction Reference) und optionale regulatorische Angaben \u2013 alles maschinenlesbar, validierbar und eindeutig. So lassen sich Zahlungen einfacher verfolgen und automatisiert bearbeiten, was Zeit und Kosten spart.<\/p>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-95e81f7 e-flex e-con-boxed e-con e-parent\" data-id=\"95e81f7\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8c3776f elementor-widget elementor-widget-jet-headline\" data-id=\"8c3776f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"jet-headline.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"jet-headline jet-headline--direction-vertical\"><span class=\"jet-headline__part jet-headline__first\"><span class=\"jet-headline__label\">Technische Anforderungen und Formate von ISO 20022<\/span><\/span><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-559fd29 e-con-full e-flex e-con e-child\" data-id=\"559fd29\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-d9beb00 e-con-full e-flex e-con e-child\" data-id=\"d9beb00\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-a63d925 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"a63d925\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"60\" height=\"57\" viewBox=\"0 0 60 57\" fill=\"none\"><path d=\"M30.005 54.4368C29.5444 54.4368 29.1016 54.2011 28.8536 53.7768C28.4816 53.1404 28.7001 52.3331 29.3319 51.9618C30.678 51.1781 31.918 50.2235 33.0162 49.1275C34.2974 47.8428 35.372 46.3932 36.2045 44.8081C36.6001 44.0597 36.9367 43.276 37.2201 42.4805C37.4621 41.791 38.2238 41.4257 38.9146 41.6673C39.6054 41.9089 39.9715 42.6691 39.7294 43.3585C39.4047 44.2778 39.015 45.1793 38.5604 46.0397C37.6038 47.8605 36.3698 49.534 34.8997 51.0013C33.642 52.2565 32.2191 53.3525 30.6721 54.2482C30.4596 54.3719 30.2293 54.4309 30.005 54.4309V54.4368Z\" fill=\"#3064F5\"><\/path><path d=\"M20.3769 57.0003C15.0334 57.0003 9.88484 54.9084 5.98206 51.0075C-1.98881 43.0523 -1.98881 30.1002 5.98206 22.1451C13.9529 14.1899 26.9307 14.1899 34.9016 22.1451C38.8575 26.0932 40.989 31.3494 40.8886 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54.4366 29.5521 54.3777 29.3455 54.2598C27.8044 53.37 26.3756 52.274 25.1062 51.0071C21.2447 47.1533 19.1191 42.0266 19.1191 36.5759C19.1191 31.1251 21.2447 25.9985 25.1062 22.1447C31.6009 15.6627 41.7092 14.3015 49.6801 18.833C50.3177 19.1983 50.5421 20.0056 50.176 20.642C49.81 21.2785 49.0011 21.5024 48.3634 21.137C41.4258 17.1948 32.6342 18.3792 26.9837 24.0186C20.0461 30.9425 20.0461 42.2034 26.9837 49.1273C28.0878 50.2292 29.3337 51.1839 30.674 51.9558C31.3116 52.3211 31.5301 53.1343 31.1581 53.7707C30.9101 54.195 30.4673 54.4366 30.0068 54.4366Z\" fill=\"#3064F5\"><\/path><path d=\"M29.9404 40.7539C28.11 40.7539 26.2738 40.5182 24.4789 40.0291C23.7703 39.8346 23.3511 39.1098 23.546 38.4027C23.7408 37.6956 24.467 37.2772 25.1756 37.4716C30.2946 38.8564 37.6751 38.002 42.6288 32.9637C48.6513 26.8353 50.0919 15.2798 42.6406 7.84319C35.703 0.919277 24.4198 0.919277 17.4822 7.84319C14.4828 10.8367 12.6052 15.0676 12.3277 19.44C12.2805 20.1707 11.6487 20.7246 10.9166 20.6834C10.1844 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29.3337 51.1839 30.674 51.9558C31.3116 52.3211 31.5301 53.1343 31.1581 53.7707C30.9101 54.195 30.4673 54.4366 30.0068 54.4366Z\" fill=\"#3064F5\"><\/path><path d=\"M29.9404 40.7539C28.11 40.7539 26.2738 40.5182 24.4789 40.0291C23.7703 39.8346 23.3511 39.1098 23.546 38.4027C23.7408 37.6956 24.467 37.2772 25.1756 37.4716C30.2946 38.8564 37.6751 38.002 42.6288 32.9637C48.6513 26.8353 50.0919 15.2798 42.6406 7.84319C35.703 0.919277 24.4198 0.919277 17.4822 7.84319C14.4828 10.8367 12.6052 15.0676 12.3277 19.44C12.2805 20.1707 11.6487 20.7246 10.9166 20.6834C10.1844 20.6362 9.62351 20.0057 9.67075 19.275C9.98368 14.2603 12.1447 9.41064 15.5987 5.96342C23.5696 -1.99171 36.5473 -1.99171 44.5182 5.96342C53.0854 14.5137 51.4381 27.7841 44.53 34.8199C40.769 38.6443 35.4078 40.7539 29.9463 40.7539H29.9404Z\" fill=\"#3064F5\"><\/path><path d=\"M20.4356 38.2494C20.2053 38.2494 19.975 38.1905 19.7625 38.0668C18.2391 37.1711 16.8339 36.0868 15.5881 34.8317C14.0884 33.329 11.396 30.0881 10.221 25.3209C10.0439 24.6079 10.4808 23.889 11.1953 23.7122C11.9097 23.5354 12.63 23.9714 12.8071 24.6845C13.8286 28.8329 16.1726 31.6496 17.4775 32.9578C18.5462 34.0303 19.8038 35.0026 21.1146 35.7745C21.7463 36.1457 21.9589 36.9589 21.5869 37.5895C21.3389 38.0078 20.8961 38.2435 20.4415 38.2435L20.4356 38.2494Z\" fill=\"#3064F5\"><\/path><path d=\"M30.5608 40.4831C30.2183 40.4831 29.8818 40.3534 29.622 40.0942L20.919 31.4083C20.3994 30.8898 20.3994 30.0471 20.919 29.5286C21.4386 29.01 22.2829 29.01 22.8025 29.5286L31.5055 38.2144C32.0251 38.7329 32.0251 39.5756 31.5055 40.0942C31.2457 40.3534 30.9032 40.4831 30.5667 40.4831H30.5608Z\" fill=\"#3064F5\"><\/path><path d=\"M35.4794 39.3574C35.137 39.3574 34.8004 39.2277 34.5406 38.9685L22.6729 27.1242C22.1533 26.6056 22.1533 25.7629 22.6729 25.2444C23.1925 24.7258 24.0368 24.7258 24.5564 25.2444L36.4241 37.0887C36.9437 37.6073 36.9437 38.4499 36.4241 38.9685C36.1643 39.2277 35.8219 39.3574 35.4853 39.3574H35.4794Z\" fill=\"#3064F5\"><\/path><path d=\"M39.5591 37.2242C39.2167 37.2242 38.8801 37.0946 38.6203 36.8353L25.7784 24.0187C25.2588 23.5001 25.2588 22.6575 25.7784 22.1389C26.2979 21.6204 27.1423 21.6204 27.6618 22.1389L40.5038 34.9555C41.0234 35.4741 41.0234 36.3167 40.5038 36.8353C40.244 37.0946 39.9016 37.2242 39.565 37.2242H39.5591Z\" fill=\"#3064F5\"><\/path><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\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\tStrukturierte Adressdaten: Stadt und Land\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 verlangt die Aufschl\u00fcsselung von Adressen in strukturierte Felder wie Stadt, Postleitzahl und Land. Dies verbessert die Lesbarkeit, reduziert Fehlinterpretationen und erm\u00f6glicht automatisierte Validierungen.\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<div class=\"elementor-element elementor-element-234fceb e-con-full e-flex e-con e-child\" data-id=\"234fceb\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-38a5157 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"38a5157\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  class=\"elementor-icon\">\n\t\t\t\t<svg 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Langfristig sind jedoch strukturierte Adressformate notwendig, um die Vorteile der Automatisierung voll auszusch\u00f6pfen.\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<div class=\"elementor-element elementor-element-6f7822e e-con-full e-flex e-con e-child\" data-id=\"6f7822e\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-4a1b3e3 e-con-full e-flex e-con e-child\" data-id=\"4a1b3e3\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8d07635 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"8d07635\" data-element_type=\"widget\" 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32.3365 72.3554 31.94 72.3597C31.5897 72.3626 31.2826 72.4824 31.0721 72.6961C30.8775 72.8952 30.7766 73.1623 30.7795 73.4683C30.7867 74.102 31.2624 74.548 31.9371 74.5494C34.2106 74.5581 36.216 74.5595 38.0685 74.5523C38.4116 74.5523 38.7158 74.434 38.9249 74.2218C39.1238 74.0197 39.2276 73.7498 39.2247 73.4394C39.219 72.8014 38.7533 72.3698 38.0656 72.3641C37.3592 72.3583 36.6398 72.3597 35.9435 72.3612C35.6307 72.3612 35.3164 72.3612 35.0035 72.3612L34.2827 72.3568H34.0665C33.7594 72.3568 33.4494 72.3554 33.1366 72.3554H33.1351Z\" fill=\"#1966F8\"><\/path><\/g><defs><clipPath id=\"clip0_21_10407\"><rect width=\"70\" height=\"76\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\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\tpain.001 v3 vs. v9 \u2013 Unterschiede und Vorteile\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\tW\u00e4hrend Version 3 in Europa weit verbreitet ist, bringt Version 9 zus\u00e4tzliche Felder wie strukturierte Remittance-Informationen oder UETR mit. Damit steigt die Transparenz und Nachvollziehbarkeit von Zahlungen erheblich \u2013 besonders f\u00fcr internationale Transaktionen.\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<div class=\"elementor-element elementor-element-ecc2ac5 e-con-full e-flex e-con e-child\" data-id=\"ecc2ac5\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-44d7e24 elementor-view-default elementor-position-block-start elementor-mobile-position-block-start elementor-widget elementor-widget-icon-box\" data-id=\"44d7e24\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-box.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-box-wrapper\">\n\n\t\t\t\t\t\t<div class=\"elementor-icon-box-icon\">\n\t\t\t\t<span  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34.1281 14.5497 34.2008 14.6556 34.2272C15.4901 34.3659 16.0927 35.1257 16.0265 35.9845C15.9603 36.8499 15.2318 37.5105 14.3775 37.5105H14.3708ZM14.4967 34.214C14.5364 34.214 14.5828 34.2206 14.6225 34.2272C14.5695 34.2206 14.5232 34.214 14.4967 34.214Z\" fill=\"#3064F5\"><\/path><path d=\"M11.9934 29.6357C11.702 29.6357 11.4106 29.5564 11.1457 29.3979C10.8477 29.2195 10.6159 29.0147 10.4305 28.8496L10.3709 28.7967C8.85432 27.4556 7.702 25.7512 7.04637 23.8685C5.6424 20.3275 5.92717 16.3439 7.82121 12.9285C9.75498 9.45361 13.1126 7.05554 17.0331 6.35528C20.9073 5.66162 25.1921 6.94984 28.2252 9.71786C31.2252 12.4528 32.6689 16.2713 32.298 20.4662C32.2517 20.9815 32.1656 21.4241 32.0265 21.8139C31.7285 22.6727 30.7881 23.1352 29.9205 22.8379C29.0596 22.5406 28.596 21.5959 28.8941 20.7371C28.9404 20.605 28.9735 20.42 28.9934 20.1756C29.2715 17.031 28.2053 14.1837 25.9801 12.1556C23.6954 10.068 20.4835 9.09687 17.6093 9.60555C14.6755 10.1274 12.159 11.9243 10.7086 14.5338C9.29141 17.0838 9.07286 20.0566 10.1258 22.6793C10.1325 22.7057 10.1457 22.7322 10.1523 22.752C10.6225 24.1129 11.4503 25.3416 12.5563 26.3194L12.6225 26.3788C12.702 26.4449 12.808 26.544 12.8477 26.5704C13.6159 27.0527 13.8676 28.07 13.3907 28.843C13.0795 29.3516 12.5364 29.6357 11.9801 29.6357H11.9934Z\" fill=\"#3064F5\"><\/path><\/g><defs><clipPath id=\"clip0_21_10323\"><rect width=\"67\" height=\"78\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t\t<\/span>\n\t\t\t<\/div>\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\tRegulatorische Felder und UETR\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\tRegulatorische Felder erm\u00f6glichen die Integration von Angaben wie Steuer-IDs, Geldw\u00e4schepr\u00fcfungen oder Sanktionslisten. Der UETR macht jede Zahlung global eindeutig verfolgbar \u2013 ein entscheidender Vorteil f\u00fcr internationale Unternehmen und Banken.\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-cc4dca8 e-flex e-con-boxed e-con e-parent\" data-id=\"cc4dca8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-2fe5d85 e-con-full e-flex e-con e-child\" data-id=\"2fe5d85\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fe25e43 elementor-widget elementor-widget-heading\" data-id=\"fe25e43\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Unterschiede zwischen ISO 20022 (MX) und SWIFT (MT)<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2e037bf elementor-widget elementor-widget-heading\" data-id=\"2e037bf\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">MT vs. MX-Nachrichtenformate<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-334ac7c elementor-widget elementor-widget-text-editor\" data-id=\"334ac7c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>MT-Nachrichten (Message Types) sind \u00e4ltere, textbasierte Formate. MX-Nachrichten hingegen basieren auf XML und sind strukturierter, erweiterbar und enthalten mehr Daten. ISO 20022 ist damit moderner und zukunftsf\u00e4hig.<\/p>\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-a959d16 elementor-widget elementor-widget-heading\" data-id=\"a959d16\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Strukturierte vs. Unstrukturierte Daten<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1b97d10 elementor-widget elementor-widget-text-editor\" data-id=\"1b97d10\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Unstrukturierte Daten bieten Interpretationsspielraum, was zu Fehlern f\u00fchren kann. ISO 20022 setzt auf strukturierte Daten \u2013 das bedeutet: weniger Missverst\u00e4ndnisse, bessere Automatisierung und h\u00f6here Datenqualit\u00e4t.<\/p>\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-c02548e elementor-widget elementor-widget-heading\" data-id=\"c02548e\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Beispielhafte ISO 20022 Nachricht (MX)<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-172b859 elementor-widget elementor-widget-text-editor\" data-id=\"172b859\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Ein pain.001-MX-Format enth\u00e4lt strukturierte Elemente wie &lt;Cdtr&gt;&lt;Nm&gt; (Name des Empf\u00e4ngers), &lt;PstlAdr&gt; (Adresse), &lt;Ctry&gt; (Land) \u2013 klar definierte Felder f\u00fcr maximale Transparenz und maschinelle Verarbeitung.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-02dcc9a e-con-full e-flex e-con e-child\" data-id=\"02dcc9a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ba62f35 elementor-widget elementor-widget-image\" data-id=\"ba62f35\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"800\" height=\"689\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/08\/DKA_pain001-1.png\" class=\"attachment-large size-large wp-image-10407\" alt=\"Pain Test Message Example\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/08\/DKA_pain001-1.png 977w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/08\/DKA_pain001-1-300x259.png 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/08\/DKA_pain001-1-768x662.png 768w\" sizes=\"auto, (max-width: 800px) 100vw, 800px\" \/>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-726e5f8 e-flex e-con-boxed e-con e-parent\" data-id=\"726e5f8\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7674561 e-con-full e-flex e-con e-child\" data-id=\"7674561\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1a76223 elementor-widget elementor-widget-heading\" data-id=\"1a76223\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Warum ISO 20022 wichtig ist<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0738d0d elementor-widget elementor-widget-heading\" data-id=\"0738d0d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Standardisierte Daten f\u00fcr bessere Automatisierung<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-17c00e1 elementor-widget elementor-widget-text-editor\" data-id=\"17c00e1\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Durch die strukturierte Darstellung k\u00f6nnen Finanzprozesse automatisiert werden \u2013 von der Zahlungsfreigabe \u00fcber das Matching bis zur Buchung.<\/p>\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-a65e596 elementor-widget elementor-widget-heading\" data-id=\"a65e596\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Vorteile f\u00fcr Banken und Unternehmen<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f761de8 elementor-widget elementor-widget-text-editor\" data-id=\"f761de8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>Reduzierung manueller Nacharbeiten<\/li><li>Schnellere Zahlungsabwicklung<\/li><li>Automatische Validierung<\/li><li>Verbesserte Compliance<\/li><li>Minimierte R\u00fcckfragen zwischen Partnern<\/li><\/ul>\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-2d535af elementor-widget elementor-widget-heading\" data-id=\"2d535af\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Mehr Transparenz und Betrugspr\u00e4vention<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-72543f5 elementor-widget elementor-widget-text-editor\" data-id=\"72543f5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Dank eindeutiger UETR und strukturierter Daten k\u00f6nnen Banken auff\u00e4llige Transaktionen leichter identifizieren. Das senkt das Risiko von Geldw\u00e4sche und Finanzbetrug.<\/p>\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-93c4639 elementor-widget elementor-widget-heading\" data-id=\"93c4639\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h3 class=\"elementor-heading-title elementor-size-default\">Interoperabilit\u00e4t im internationalen Zahlungsverkehr<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b3f456a elementor-widget elementor-widget-text-editor\" data-id=\"b3f456a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Unabh\u00e4ngig von Region, Sprache oder System \u2013 ISO 20022 schafft <strong>einen einheitlichen Kommunikationsstandard.<\/strong> Das vereinfacht globale Gesch\u00e4fte und verbessert die Zusammenarbeit zwischen Finanzinstituten und Unternehmen.<\/p>\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\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b1b06dc e-flex e-con-boxed e-con e-parent\" data-id=\"5b1b06dc\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-570a9272 e-con-full e-flex e-con e-child\" data-id=\"570a9272\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-4e89a27f e-con-full eop-card e-flex e-con e-child\" data-id=\"4e89a27f\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-458b7232 elementor-widget elementor-widget-image\" data-id=\"458b7232\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"2048\" height=\"1152\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-2048x1152.png\" class=\"attachment-2048x2048 size-2048x2048 wp-image-8652\" alt=\"\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-2048x1152.png 2048w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-300x169.png 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-1024x576.png 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-768x432.png 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/TokyoEvening.01_2074x1167px-1536x864.png 1536w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/>\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-74365d4d e-con-full e-flex e-con e-child\" data-id=\"74365d4d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-1e1cb864 e-con-full e-flex e-con e-child\" data-id=\"1e1cb864\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1e5e7f14 eop-card-h elementor-widget elementor-widget-text-editor\" data-id=\"1e5e7f14\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u00f6sungen f\u00fcr Finanzmartkinfrastrukturen<\/p>\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-5170ae8f elementor-widget elementor-widget-text-editor\" data-id=\"5170ae8f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Zentrale Infrastrukturen und ihre Teilnehmer brauchen eine branchenweite L\u00f6sung, die von Anfang an <strong>strukturiertes, skalierbares Testing<\/strong> erm\u00f6glicht. So lassen sich Risiken minimieren und die Readiness im gesamten \u00d6kosystem gezielt beschleunigen.<\/p>\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-35ec79dd elementor-widget elementor-widget-button\" data-id=\"35ec79dd\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/unifits.com\/de\/loesungen-fuer-fmi\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hier klicken<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-38abad54 e-con-full e-flex e-con e-child\" data-id=\"38abad54\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-4b14f28b e-con-full eop-card e-flex e-con e-child\" data-id=\"4b14f28b\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[],&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2efa69a5 elementor-widget elementor-widget-image\" data-id=\"2efa69a5\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" loading=\"lazy\" width=\"2048\" height=\"1152\" src=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-2048x1152.png\" class=\"attachment-2048x2048 size-2048x2048 wp-image-8291\" alt=\"\" srcset=\"https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-2048x1152.png 2048w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-300x169.png 300w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-1024x576.png 1024w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-768x432.png 768w, https:\/\/unifits.com\/wp-content\/uploads\/2025\/02\/SanFranciscoDarkened.01_2304x1296px-1536x864.png 1536w\" sizes=\"auto, (max-width: 2048px) 100vw, 2048px\" \/>\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-99d1f93 e-con-full e-flex e-con e-child\" data-id=\"99d1f93\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t<div class=\"elementor-element elementor-element-4060764d e-con-full e-flex e-con e-child\" data-id=\"4060764d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;jet_parallax_layout_list&quot;:[]}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-6d030eba eop-card-h elementor-widget elementor-widget-text-editor\" data-id=\"6d030eba\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>L\u00f6sungen f\u00fcr Banken<\/p>\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-7e363a36 elementor-widget elementor-widget-text-editor\" data-id=\"7e363a36\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Neue Ma\u00dfst\u00e4be in der Qualit\u00e4tssicherung im Zahlungsverkehr. <strong>Automatisierte, standardisierte Tests<\/strong> und ein kontinuierlich aktualisiertes Regelwerk gew\u00e4hrleisten maximale Effizienz und h\u00f6chste Testqualit\u00e4t.<\/p>\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-7c242922 elementor-widget elementor-widget-button\" data-id=\"7c242922\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/unifits.com\/de\/loesungen-fuer-banken\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t<span class=\"elementor-button-icon\">\n\t\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-far-arrow-alt-circle-right\" viewBox=\"0 0 512 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M504 256C504 119 393 8 256 8S8 119 8 256s111 248 248 248 248-111 248-248zm-448 0c0-110.5 89.5-200 200-200s200 89.5 200 200-89.5 200-200 200S56 366.5 56 256zm72 20v-40c0-6.6 5.4-12 12-12h116v-67c0-10.7 12.9-16 20.5-8.5l99 99c4.7 4.7 4.7 12.3 0 17l-99 99c-7.6 7.6-20.5 2.2-20.5-8.5v-67H140c-6.6 0-12-5.4-12-12z\"><\/path><\/svg>\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Hier klicken<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\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>\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>ISO 20022 revolutioniert den globalen Zahlungsverkehr Als internationaler Finanzstandard ver\u00e4ndert er die Art und Weise, wie Banken, Unternehmen und Zahlungsdienstleister weltweit Daten austauschen. Mit dieser neuen Kommunikationssprache wird der Zahlungsverkehr sicherer und transparenter gestaltet. Immer mehr Banken weltweit stellen auf ISO 20022 um, um mit den regulatorischen Finanzanforderungen Schritt zu halten und die Vorteile der [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":10431,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[53,54],"tags":[],"class_list":["post-10398","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-article","category-artikel"],"_links":{"self":[{"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts\/10398","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/comments?post=10398"}],"version-history":[{"count":24,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts\/10398\/revisions"}],"predecessor-version":[{"id":10459,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/posts\/10398\/revisions\/10459"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/media\/10431"}],"wp:attachment":[{"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/media?parent=10398"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/categories?post=10398"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/unifits.com\/de\/wp-json\/wp\/v2\/tags?post=10398"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}