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.

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RIX INST: The Next Step in the Evolution of Instant Payments

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.

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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.

  • Transformation
  • Standards and Formats
  • Domain Expertise
  • Business Architecture

Compliance & Rulebooks

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

  • Gap Analysis
  • Implementation Management
  • Regulatory and Rulebook Outlook
  • Remediation Management

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.

  • Market Changes
  • Strategy Development
  • Innovation
  • Business Models
  • Business Architecture

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