Driving complex change – Jannika Gustafsson talks about creating momentum during transformations
When you ask Associate Manager Jannika Gustafsson what makes her work exciting, she doesn’t hesitate. It’s the change and variety within Payments, a field that is constantly evolving and connected to every part of the financial ecosystem. With experience across commercial, regulatory, and tech-driven initiatives, Jannika’s leadership brings structure, clarity, and momentum to banks undergoing transformation.
Resilience is no longer an IT project, it’s a must for keeping the bank running
Over the past decade, Nordic banks have rapidly expanded their digital ecosystems. Instant payments, cloud platforms, and open banking have enabled new services but also introduced new exposure. In the middle of this shift is Joakim Nilsson, Senior Consultant and Partner at 421, who helps banks strengthen their resilience against cyber threats and operational disruptions.
Summarizing NextGen Nordics: Upcoming challenges on the Payments market and possible solutions
Last week, five of our consultants visited the annual event NextGen Nordics in Stockholm, hosted by FinExtra. The event brings together Nordic stakeholders within the Payments landscape – from banks and authorities to PSPs and FinTech companies. Some of the included themes were VoP/CoP, DORA, Open Finance, and regulation vs. innovation. In this article, we want to highlight our key takeaways from the events and what we believe will be important moving forward.
Key findings from the EBA day 2024
Earlier this week, Niclas Lindblom and Cecilia Guthreus participated at the EBAday in Lisbon, Portugal. It is an annual summit for bankers and stakeholders within payments and transactions, as well as representatives from the regulators. In this short interview, Niclas and Cecilia share their insights from the two-day conference.
Summarizing Finextra NextGen
Big changes are coming to Europe’s banking and payment service industry. The Instant Payments Regulation, proposed by the European Commission, will ensure around-the-clock and direct transactions in the eurozone. Countries outside the zone also must implement the new regulatory framework. On the one hand, it is a welcomed proposition, as it strengthens the European market and trading amongst its countries, businesses, and citizens. On the other hand, how can instant payments also become more secure when APP fraud is at a record high? And is it even possible to make such fundamental changes to the digital infrastructure and banks’ processes in such a short time?
In this article, we dive deep into the Instant Payments Regulation and Confirmation of Payee, their background, benefits, challenges, and how to begin the work needed to solve them in time.
