"Synthetic ISO 20022 pacs.008 and pacs.009 Payment Message Dataset for Fraud Detection and Machine Learning"

"This dataset provides fully synthetic ISO 20022 pacs.008 and pacs.009 payment messages generated for fraud detection and machine learning research. The messages are schema-valid and constructed using a constraint-aware, schema-driven process that preserves key behavioral characteristics such as amount distributions, temporal proximity, and inter-message consistency, while containing no real customer, account, or transaction data. The dataset is intended to support privacy-preserving experimentation in payment analytics, financial crime detection, and ISO 20022 system testing, and may be safely shared across institutions for research and development purposes."