Bathina, M. 2026. Architecting ISO 20022-Compliant Payment Workflows in SAP S/4HANA: A Practitioner Framework For Enterprise Financial Messaging Integration. International Journal of Artificial Intelligence and Machine Learning. 6, 9s (Sep. 2026), 1458–1465. DOI:https://doi.org/10.51483/IJAIML.6.9s.2026.1458-1465.