Currently, the actual exploitation of the opportunities ISO 20022 might bring, is still limited. However, future chances regarding interoperability, real-time processing and error prevention as well as better services for lower costs, are significantly greater. The global guidelines in the financial industry are setting limits, whereas the usage of IBAN is already an obligation in SEPA environments, it cannot be presupposed in international payment transactions. Then again it can be assumed that e.g. the usage of unstructured data which is intended in the ISO rulebook will over time give way for equivalent structured data (example: reference in bank transfers). In a timely manner, this might be pushed by regulations from institutions, such as the European Central Bank, the Euro Banking Association or SWIFT. The process coverage with ISO standards will broaden significantly and lead to an even increased efficiency of the processes.