As the world shifts ever closer to instant payments, it is looking increasingly unlikely that the incumbent payment solutions can meet the needs of today’s businesses and consumers. Nth Exception is a boutique payments technology and consulting firm, we help payments players capture opportunities in a fast-changing environment. Our payments-anchored capabilities assist banks in giving their corporate and financial institution customers more efficiency in, control over and value from payments. Specialists in SWIFT messaging, ISO 20022 and alternative payment methods, we work with customer organizations globally, helping them navigate around complex messaging standards and the intricate requirements of different schemes and market infrastructures, enabling them to better manage uncertainty, improve business connectivity and continuity, reduce operational costs and eliminate barriers to profit, in the fast- changing payments world.