We have a passion  for Payments

421 is a Swedish consulting firm specializing in Payments. Our team consists of driven innovators and experienced problem-solvers ready to tackle the industry’s most pressing challenges.

06/03/2025Fraud in the Modern Payment Landscape

Our services

We work closely together with our clients, helping them adapt to regulations, update critical infrastructure, and form long-term strategies for their digital transformation journeys.

Payment Infrastructure

Meet new market demands with confidence. We help clients build a solid yet flexible foundation for increased operational efficiency and scalable, long-term growth.

Compliance & Rulebooks

Stay ahead in a dynamic landscape. We guide clients through new directives and regulations, from analyzing readiness to implementation and compliance.

Business & Product Development

Keep up the business momentum. We support clients in refining their strategies, setting goals, and following through on action plans for continued development or transformation.

Governance Models
Digital Transformation
Business Transformation
Product and Process Development
Change Management

Advisory & Strategy

Make wise business decisions. We are a close strategic partner to our clients, and we use our deep knowledge and experience to help navigate the field of Payments.

We make you succeed in the world of Payments

The driving force for change

421 has deep roots in finance and digital transformation. We are bankers, analysts, compliance officers, and IT specialists—all driven by solving complex challenges through efficient and sustainable change. Together, we offer a unique combination of experience and expertise, and direct it fully towards Payments, the core of finance.

About us

News and insights

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Featured

Are we doing enough to combat fraud in the Payments landscape?

Insight Payments

24/04/2025

Are we doing enough to combat fraud in the Payments landscape?

In our previous article, “Fraud in the Modern Payment Landscape,” we discussed how fraud has become a structural challenge in the payment ecosystem. Faster and more seamless payments leave opportunities for fraudsters to exploit gaps in the system. One major threat is Authorized Push Payment (APP) fraud. Since 2020, cases have sharply risen where victims are manipulated into executing fraudulent payments. Unlike credential theft, this bypasses many traditional controls, such as multi-factor authentication.