A look back at Sibos 2025

At Sibos 2025 in Frankfurt, we explored the exciting changes shaping today’s payments landscape. One of the hottest topics: the ambitious goals of the G20. These goals include making cross-border payments easier, faster and more transparent. While we’ve made great strides, there’s more to do to make international payments truly seamless.

Then there’s ISO 20022. Many organizations are in the process of adopting ISO 20022, but are still working through various challenges. They are at different stages—often balancing new requirements with older systems. J.P. Morgan is committed to providing our clients with ongoing collaboration and support, helping them navigate these changes smoothly and confidently.

We also dove into how operational excellence is helping clients prepare for what’s next, and the new tech that’s resetting global supply chain payments. The good news: The path to greater efficiency is clearer than ever.

Dramatic infrastructure transformation

Payments infrastructure is undergoing a true transformation—from slow, batch-based systems to fast, digital platforms. Thanks to cloud computing, AI and the push for seamless experiences, these innovations are delivering real benefits: greater efficiency, lower costs, stronger security and broader financial inclusion.
 
Today, payments are virtually effortless and happen behind the scenes. This progress is the result of strong industry collaboration. Looking ahead, we’re focused on striking the right balance between regulation and innovation, always keeping our clients’ needs at the center.

So, what’s next for payments? The future is bright as we lean into technology, teamwork and a spirit of curiosity. Here’s what to watch for in advance of Sibos 2026 in Miami:

• AI and beyond: The future includes not just AI, but also exploring quantum computing and digital ledger technology to unlock new possibilities.
  
  
• Cybersecurity: As threats evolve, understanding the many layers of cybersecurity is key to staying protected.
  
  
• Regulatory landscapes: New tech can help simplify cross-border payments, especially as we navigate complex, country-specific regulations.
  
  
• ESG impact: We continue to be committed to promoting financial inclusion, reducing the environmental impact of transactions and using data to drive green initiatives.