The proposed development will help banks to adopt a single methodology and approach in addressing new and updated messages in the financial arena. Banks are today confronted to various categories of messages based on non-interoperable technologies which hinders a convergence process and lead to higher development and maintenance costs. A timely migration towards a single methodology (e.g. ISO 20022) for all financial data exchanges (credit transfers, card payments, securities, treasury management, cheques, etc.) will lead to a progressive reduction and simplification of global and certification costs. It will enable banks and their customers to rely more and more on "off-the-shelves" harmonised software solutions.