---
type: "AIHallucinationFinding"
title: "What share of faster payment systems and RTGS systems are currently using ISO 20022, according to…"
citation_id: "RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q006-Sonnet46"
finding_uid: "INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-006--sonnet-46-websearch"
question_uid: "INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-006"
regulation_id: "INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026"
regulation_slug: "CPMI-ISO-20022-HARMONISATION-UPDATED-2026"
regulation_title: "Harmonised ISO 20022 Data Requirements for Enhancing Cross-Border Payments - Updated Report"
regulator_short_code: "BIS-CPMI"
regulatory_body_id: "BIS-CPMI-INT-001"
jurisdiction_code: "INT"
j_level: "J1"
ai_subject: "claude-sonnet-4-6"
ai_subject_display: "Claude Sonnet 4.6 (web search on)"
ai_subject_version: "sonnet-46-websearch"
response_failure_mode: "inference_drift"
substrate_document_name: "p_10_SPEECH_ISO_20022_adoption_rates_across_payment_r260316d.htm"
substrate_document_path: "https://reglegbrief.com/substrate/INT/BIS-CPMI/CPMI-ISO-20022-HARMONISATION-UPDATED-2026/_raw_manual_substrate/p_10_SPEECH_ISO_20022_adoption_rates_across_payment_r260316d.htm"
substrate_section_anchor: "ISO 20022 adoption rates across payment systems (as of December 2024 monitoring survey)"
citation_issue_types: ["Contradictory", "Fabricated"]
audiences: ["ai_labs"]
published_at: "2026-06-07T07:58:42.254767+00:00"
substrate_version: 1
methodology_version: "2.3"
license: "CC-BY-4.0"
resource: "https://reglegbrief.com/regulators/j1/int/bis-cpmi/CPMI-ISO-20022-HARMONISATION-UPDATED-2026/ai-labs/finding/INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-006--sonnet-46-websearch/"
tags: ["ai-hallucination", "inference_drift", "bis-cpmi", "cpmi-iso-20022-harmonisation-updated-2026", "int"]
timestamp: "2026-06-16T00:00:00+00:00"
---

# AI Hallucination Finding: What share of faster payment systems and RTGS systems are currently using ISO 20022, according to…

- **Citation ID.** `RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q006-Sonnet46`
- **Finding UID.** `INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-006--sonnet-46-websearch`
- **Regulation.** [`CPMI-ISO-20022-HARMONISATION-UPDATED-2026`](/okf/regulations/CPMI-ISO-20022-HARMONISATION-UPDATED-2026.md) — Harmonised ISO 20022 Data Requirements for Enhancing Cross-Border Payments - Updated Report
- **Regulator.** [`BIS-CPMI-INT-001`](/okf/bodies/BIS-CPMI-INT-001.md) — Bank for International Settlements — Committee on Payments and Market Infrastructures (CPMI)
- **AI subject.** Claude Sonnet 4.6 (web search on)
- **Failure mode.** [`inference_drift`](/okf/taxonomy/failure-modes.md)
- **Published.** 2026-06-07T07:58:42.254767+00:00

## Question put to the AI subject

What share of faster payment systems and RTGS systems are currently using ISO 20022, according to CPMI monitoring data from the December 2024 survey?

## AI subject's verbatim answer

79% of both real-time gross settlement (RTGS) systems and fast payment systems (FPS) either have already implemented ISO 20022 or have concrete plans to do so

## Verbatim regulator text contradicting the answer

> More than three quarters of faster payment systems covered by the survey, and approaching half of RTGS systems, are now using ISO 20022.

_Source:_ [p_10_SPEECH_ISO_20022_adoption_rates_across_payment_r260316d.htm](https://reglegbrief.com/substrate/INT/BIS-CPMI/CPMI-ISO-20022-HARMONISATION-UPDATED-2026/_raw_manual_substrate/p_10_SPEECH_ISO_20022_adoption_rates_across_payment_r260316d.htm)
_Section anchor:_ ISO 20022 adoption rates across payment systems (as of December 2024 monitoring survey)

## Failure mode

**`inference_drift`** — Inference drift — the AI inferred a conclusion the regulator's text does not warrant, often by combining unrelated provisions.

## Citation-issue types

- **Contradictory** — <https://www.bis.org/cpmi/publ/brief10.pdf>
- **Contradictory** — <https://www.bis.org/cpmi/publ/d230.pdf>
- **Fabricated** — <https://www.centralbanking.com/benchmarking/payments/7973047/half-of-central-banks-have-yet-to-adopt-iso-20022-in-rtgs-systems>

## Related concepts

- Regulation: [CPMI-ISO-20022-HARMONISATION-UPDATED-2026](/okf/regulations/CPMI-ISO-20022-HARMONISATION-UPDATED-2026.md)
- Regulator: [BIS-CPMI-INT-001](/okf/bodies/BIS-CPMI-INT-001.md)
- Failure-mode taxonomy: [inference_drift](/okf/taxonomy/failure-modes.md)
- Methodology: [v2.3](/okf/methodology.md)
- Editorial standards: [right of reply](/okf/editorial-standards.md)

## Reproduction

Citation ID: `RLB-H-INT-BIS-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-Q006-Sonnet46`

Resource URL (HTML view of this finding):

<https://reglegbrief.com/regulators/j1/int/bis-cpmi/CPMI-ISO-20022-HARMONISATION-UPDATED-2026/ai-labs/finding/INT-BIS-CPMI-INT-001-CPMI-ISO-20022-HARMONISATION-UPDATED-2026-v1-006--sonnet-46-websearch/>

This finding is reproducible against the substrate document linked above, using the same AI subject, the same methodology version, and the verbatim question text.