It’s crunch time and the ISO 20022 deadline is only six months away. Our host chats with Bottomline’s payments expert, Frederic Viard, on this structured, machine-readable format and the global harmonization intention that sits behind it. All the big banks are ready for the deadline, but what does it mean for other financial institutions that aren’t? What are the risks, the options, the penalties, and what needs doing? Fred also talks about what lies beyond this deadline in terms of value-add benefits in the global payments’ ecosystem.