Oracle Banking Payments is an enterprise payments hub designed to meet requirements of both retail and corporate banking. Built grounds up on ISO 20022, it provides the benefits of a superior data architecture and an ISO 20022 governance framework to support multiple scheme specific variations of messages and processing business logic. It offers out-of-box support for more than 15 major payment networks and schemes including SEPA and SEPA Instant, SWIFT, TARGET2, Fedwire, NACHA and CHIPS. The solution is SWIFT gpi attested, SWIFT-certified and compliant with PSD2 standards and offers a comprehensive suite of banking APIs and message library to support agility in design and go-to-market