About us

About 421

421 is an advisory and consultancy firm that creates value for our clients by leveraging our payments, regulatory and change management expertise. Our clients are mainly found in the Nordic countries’ financial services sector.

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We seek information, we don’t wait for it. We care about results and getting things done for our customers.

Solution focused

We help our customers by delivering solutions. We specialize in solving complex problems and we constantly explore ideas and options for how to help our customers improve.


We strive to reach results that will make a positive difference for our customers. We are passionate about what we do, and we want motivating and inspiring results.


It is important that we hold ourselves to the highest standards of integrity for the sake of both our customers and ourselves. Integrity creates trust, which is one of our most valuable assets. We want this reflected in our actions, which are always to be honest, fair and respectful.

Leading the future of Payments

Leveraging our payments, regulatory and change management expertise

421 was founded in 2010, we have since then strived to help companies within the financial sector by leveraging our payments, regulatory and change management expertise to create value for our clients.

At 421 we have gained deep insight into payments working from across the industry and markets. Our team of experts help prepare our clients for the payment landscape of tomorrow. We aim to build partnerships with our clients, and it is our firm belief that the right change, done the right way, with the right people is the key to helping our clients achieve their goals. 

421 is an organization with an entrepreneurial mindset, with an inclusive and friendly company culture. We believe this reflects our goal of being the best employer for consultants in financial services. Our biggest asset is our people, and we cherish the “we” in our deliveries. 

Gender equal

Our company is committed to promoting gender equality in the workplace, aiming for a balanced representation of men and women. Our long-term strategy aims to create a socially inclusive and fair environment for all employees.

Climate compensated 

We climate compensate for the company and work related emissions. Last year our climate compensation contributed to a solar power plant in Madhya Pradesh, India.

Agenda 2030

We work actively with Agenda 2030 and the UN Sustainability Goals in order to contribute to a social, economic and environmentally sustainable development.

Our team

Get to know our team

Shabnam Marboot


Richard Lindblom

Managing Partner

Mikael Hjorth


Carl Johan Molander


Joakim Nilsson


Anna Ödling

Head of People

Emma Wadmark

Marketing Manager & Senior Consultant

Juliana Paulus

Senior Consultant

Gustav Dahlström

Associate Manager