TL;DR: SWIFT zai yi ritaya da MT940 a Nuwamba 2028. Bank Statement Parser yana sarrafa MT940 da CAMT.053 tare da API guda ɗaya, don haka bututun fassarar ku yana aiki a lokacin sauyi da kuma bayan haka.
Me Yasa Wannan Ƙaura Take da Muhimmanci
SWIFT yana yin ritaya ga tsarin saƙon MT na gado don goyon bayan ingantacciyar ma'aunin ISO 20022. Ga ƙungiyoyin baitulmali da kuɗi, wannan yana nufin bututun sarrafa bayanan bankin ku dole ne su tashi daga MT940 zuwa CAMT.053 kafin ƙayyadaddun ƙarshe.
Jadawalin Ƙaurar SWIFT
| Kwanan wata | Muhimmi | Tasiri |
|---|---|---|
| Nuwamba 2025 | Kasancewar MT-to-MX ya ƙare don biyan kuɗi na kan iyaka | Saƙonnin PACS yanzu ISO 20022 ne kawai |
| Nuwamba 2026 | Adireshin tsararru/gauraye na wajibi; An ƙi MT101 umarni da yawa; Matakin Gudanar da Ƙararraki 1 | Tsarin adireshi dole ne ya cika; za a ƙi wasu saƙonnin MT |
| Ƙarshen 2026 | Zaɓin shiga ya fara don karɓar CAMT.052/.053/.054 | Cibiyoyin kuɗi za su iya fara karɓar bayanan ISO na asali |
| Nuwamba 2027 | Duk FIs dole ne su karɓi CAMT.053 na asali | SWIFT ya daina canza tsarin MT zuwa ISO; dole ne tsarin ku ya fassara CAMT kai tsaye |
| Nuwamba 2028 | MT940/MT942/MT950/MT900/MT910 cikakken ritaya | Ba a samun tsarin bayanan gado; CAMT.052/.053/.054 su ne kawai zaɓi |
Menene ya Canja a Lambar ku
Kafin: MT940 Kawai
from bankstatementparser import Mt940Parser
parser = Mt940Parser("statement.mt940")
df = parser.parse()
Bayan: Tsari Biyu tare da Gano ta Atomatik
from bankstatementparser import create_parser, detect_statement_format
fmt = detect_statement_format("statement.xml") # or .mt940
parser = create_parser("statement.xml", fmt)
df = parser.parse() # Same DataFrame schema regardless of format
Aikin detect_statement_format() yana gano ko fayil ɗin MT940 ne, CAMT.053, PAIN.001, ko kowane tsari da ake tallafawa. Aikin create_parser() yana dawo da parser ɗin da ya dace. Lambar ku ta bayan haka tana aiki iri ɗaya ba tare da la'akari da tsarin tushen ba.
CAMT.053 vs MT940: Manyan Bambance-bambance
| Siffar | MT940 | CAMT.053 |
|---|---|---|
| Wadatar bayanai | Filaye masu iyaka | 3-5x ƙarin bayanai kowace ma'amala |
| Saitin haruffa | Iyakantacce (SWIFT charset) | Cikakken Unicode |
| Tsarin | Rubutu mai layi tare da tags | XML tare da namespaces |
| Rahoton balance | Buɗewa/rufewa kawai | Nau'in balance da yawa |
| Tunani | Filin tunani guda ɗaya | Nau'in tunani da yawa |
| Sarrafa kuɗi | Na asali | Cikakkun kuɗi da yawa tare da farashin musanya |
Yadda Bank Statement Parser ke Taimakawa
- API Mai Haɗin Kai: Fassara MT940, CAMT.053, da bayanan PDF tare da aiki iri ɗaya, yana samar da daidaitaccen DataFrame.
- Gano ta Atomatik: Babu buƙatar sanin tsarin a gaba.
detect_statement_format()yana gano shi ta atomatik. - Hybrid PDF pipeline: Bankuna da ke ba da bayanan PDF kawai a lokacin sauyin ana sarrafa su ta
smart_ingest()tare da tabbatar da balance ta atomatik. - Namespace-agnostic: Yana sarrafa kowane bambancen CAMT.053 (001.02, 001.04, ko naɗaɗɗen banki na musamman) ba tare da daidaitawa ba.
- Tabbatar da kuɗi da yawa:
verify_balance_multi_currency()yana gudanar da Golden Rule ga kowane rukunin kuɗi — muhimmi don bayanan CAMT na kuɗi da yawa. - Streaming: Sarrafa manyan fayilolin CAMT (50 MB+, 50K+ ma'amaloli) tare da ƙwaƙwalwar ajiya mai iyaka.
- Fitar da ledger: Fitar kai tsaye zuwa tsarin hledger ko beancount journal don lissafin baitulmali.
- Gwajin ƙaura: Gudanar da masu fassara biyu gefe-gefe akan kewayon kwanan wata iri ɗaya don tabbatar da daidaiton fitarwa kafin sauyawa.
Farawa
pip install bankstatementparser
from bankstatementparser import create_parser, detect_statement_format
# Works with MT940 today, CAMT.053 tomorrow, PDF anytime
for file in bank_statement_files:
fmt = detect_statement_format(file)
parser = create_parser(file, fmt)
df = parser.parse()
process(df) # Your code doesn't change
Don bayanan PDF daga bankuna da ba su ba da fitar da CAMT masu tsari tukuna:
from bankstatementparser.hybrid import smart_ingest
result = smart_ingest("statement.pdf")
assert result.verification.status == "VERIFIED"