News & perspectives

News

421 is growing!

We are so excited to announce that three new colleagues have joined our team! Erica Ohlsson has a broad experience fr...

News

421 is growing!

2020 has started with exciting news for 421! We are so excited to announce that two new colleagues have joined our te...

Podcast

Svenska försäkringsbranschen står inför stora förändringar. Med Lotta och Martin på Insurely

Svenska försäkringsbranschen är relativt unik i Europa. Först och främst så är svenska försäkringskunder väldi...

News

421 is growing!

We are proudly presenting a newly joined star to our team! Max Knape has joined 421 as a Senior Consultant with a qua...

Podcast

Hur Agila transformationer och arbetssätt till stor del är en fråga om mindset

Tänk team, tänk produkt, ställ frågor. Om det ändå vore så lätt att bli Agil. Eller är det? I veckans poddav...

Podcast

Digitala Transformationer – Så mycket mer än bara IT

Ett vanligt missförstånd är att digital transformation endast handlar om att byta ut gamla manuella system mot nya di...

News

421 is growing!

421 has started an exciting autumn this year.  We are so excited to announce that four new colleagues have joined our ...

News

Our 421 Conference in the fall of 2019!

This year, our two-day fall conference was held outside Stockholm, at Görvelns Castle. The team had a lot of interesti...

Podcast

Såhär attraherar man framtidens topptalang med Sofi Friland på Nova Talent och Anna Ödling på 421

Vad betyder egentligen en "proaktiv pipeline" för att attrahera talang och hur kan ett mordmysterium hjälpa oss att f�...

Podcast

Framtidens Bolånemarknad och Bolåneprocesser med Erik Bennerhult, VD på Näktergal

På senare tid har vi sett allt mer press på de svenska bolåneräntorna. Bankerna har sänkt sina räntor i takt med a...

Perspective

KYC: An Increasing Headache for Financial Institutions

How can financial institutions turn the increased Know Your Customer burden into a competitive advantage? Background ...

News

421’s Summer Party, 2019!

Last Friday, we had our summer party! We started with lunch, had a recap workshop about our vision, mission and value...

Podcast

Framtidens Onlinebetalningar med Head of Nordics på Stripe, Erik Olofsson

Är framtidens betalningar endast smidigare checkouts för konsumenten? Inte om du frågar Erik Olofsson, Head of No...

Blog

Techarenan Summit 2019 

Late April, 421 attended the event “Techarenan Summit 2019”, a day packed with panel discussions, keynotes, netw...

Podcast

Gigapay och framtidens anställningsformer

Framtidens arbetsstuktur är ett ämne vi inte ännu berört i podden, men ack så intressant! I takt med att allt fler ...

Podcast

Framtiden av Fintech i Sverige med Soufian Berrahmoune

Fintech har varit ett buzzword länge, men vad det egentligen innebär, vad som egentligen förorsakar innovation inom o...

News

421 is growing!

April was an exciting month for us at 421!  We are so pleased to introduce two new amazing colleag...

News

421’s Spring Conference, 2019!

This year, our yearly spring conference for the whole company was held outside Stockholm, at Bergendal. We had a grea...

Perspective

GDPR is here to stay – A financial perspective

Introduction ”GDPR” – you thought that was an abbreviation that we left behind us as after 2018? Well think again...

Podcast

Serendipity, InsiderLog och att starta ett RegTechbolag i Sverige

I tider där det pratas mycket om insider trading och vad man får och inte får göra med insider information, blir det...

Podcast

FundedByMe och framtiden av crowdfunding

Fredag den 8de Mars händer det! Då kommer nämligen FundedByMe att noteras på Nordic MTF. Johannes Karlsson träff...

Perspective

Round two, are financial institutions ready for another crisis?

Introducing the role of the Bank Recovery and Resolution Directive (BRRD) and its potential for preventing, managing, a...

News

421 Attends Stockholm FinTech Week 2019!

We are so excited to announce that we will be part of Stockholm FinTech. Matthew Woodward, Senior Manager at 421, w...

Podcast

Framtiden av kontanter i sverige med Johan Nilsson på Bankomat

Sverige går allt mer mot att bli ett kontantlöst samhälle. I mitten av den stormen står Bankomat som är sverig...

Podcast

Allt om riskbedömningar inom AML ft. Martin Nordh VD på Acuminor

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Perspective

Why a Pan-Nordic Payment Infrastructure Could Keep Banks’ Competitors at Bay

About this article Another first for the Nordics financial ecosystem comes in the form of a vision to become the world...

Podcast

Affärsänglars roll i startups ft. Ronja Koepke

I veckans avsnitt av Framtidens Finansmarknad träffar vi Ronja Koepke, värd för investpodden samt erfar...

Podcast

Sex saker banker behöver känna till om Basel IV ft. Eric Sävenfalk

I veckans avsnitt gästar Eric Sävenfalk för att prata om sin nya rapport om Basel IV. Eric hjälper oss förstå vad ...

Perspective

Basel IV: Six Things Swedish Banks Need to Know

About this article More than a decade has passed since the financial crisis of 2007-08 and almost a year since the Ba...

News

421 is growing!

We are growing rapidly and as a result, are proudly welcoming our new stars who have joined our team recently! From le...

News

421 Conference

421 in Palma The yearly fall conference for the whole company was this time held in Palma, Spain. We had a successful c...

Podcast

Hur Inventure och VC arbetar i Stockholm ft. Tatiana Shalalvand

I veckans podd intervjuar Johannes Karlsson: Tatiana Shalalvand, Investment Manager på Inventure. De diskuter...

Podcast

Blockchain – Revolution eller överskattad?

Johannes Karlsson och Matthew Woodward diskuterar hur blockchain kommer att påverka bankmarkanden - både för det ...

Perspective

Blockchain for Banks – The Good, The Bad and The Ugly

About this Article   The beginning of January 2019 will mark the 10-year anniversary of the introduction of Bitcoin...

Podcast

Framtidens Finansmarknad avsnitt 4: Hur attraherar man talang till finansbranschen?

Johannes Karlsson och Head of People på 421, Anna Ödling diskuterar hur man egentligen attraherar talang till fina...

Podcast

Framtidens Finansmarknad avsnitt 3: Framtiden för bankernas arbete mot penningtvätt

Johannes Karlsson och Eric Sävenfalk diskuterar hur framtidens anti penningtvätts-funktioner på banker kan se...

Perspective

AML V and Beyond – Automation Is Key

This article aims to explain the fifth European anti money laundering directive, AML V, as well as discuss t...

Podcast

Framtidens Finansmarknad avsnitt 2: Nordic banking review Q1 & Q2 2018

In the second episode of 421's podcast Framtidens Finansmarknad, "Nordic Banking Outlook", 421 consultants Johannes ...

Podcast

Framtidens Finansmarknad avsnitt 1: Konkurrens på bankmarknaden

I det första avsnittet av Framtidens Finansmarknad diskuterar Johannes Karlsson och Carl Johan Molander från 421 d...

Perspective

Competition on the horizon for Nordic banks

This paper aims to explain the case for an emerging competitive rise within the Swedish mortgage industry as well as for...

Blog

Compliance is a competitive advantage for financial services innovation

Nearly all financial services are undergoing a period of intense transformation. Innovation is enablin...

News

421 is growing!

We are happy to welcome our new stars to our growing 421 team! From left to right... Carl Johan Molander is a form...

News

Champagne!

The whole company recently got back from our yearly conference, which this year was held in Champagne in France.  We ha...

Perspective

Is BIRD the word?

Creating a common language, like BIRD, in the area of regulatory reporting, where each new regulation builds on-top of t...

Perspective

How the Bitcoin technology can revolutionize finance

Leading banks are investing heavily in blockchain, the technology behind bitcoin. This article explores the basics behin...

Perspective

Fintechs take on the banking market

Investments in the financial services start-ups known as Fintechs have grown exponentially over the last years. This art...

Perspective

10 pitfalls to avoid for a successful change journey

This article is listing the most common pitfalls we’ve experienced during complex change execution. We suggest you use...

News

421 attends Fintech round table with Finansinspektionen

Today we are sitting down with Finansinspektionen and Vinnova to join the Fintech round table discussion. Have you alrea...

News

Meet Amelia – Your new digital employee

We are happy to announce a by invitation only special event together with IPsoft, where we will discuss how Artificial ...

Perspective

RegTech is here – Time to turn Regulatory Compliance into a Competitive Advantage

Investment in RegTech companies has more than tripled in the last 5 years and the outlook looks very positive for increa...

News

Matthew Woodward joins 421!

We are growing! Matthew Woodward has decided to join our excellent change management team. Matthew is a former manager...

News

421 supports Giving People

According to Giving People, 232 000 children live in poverty in Sweden. This number should be zero! 421 supports Giving ...

News

Catharina Niesel joins 421

Christmas came early this year and brought us a strong change manager - Catharina Niesel. Catharina has an extensive...

News

Jimmy Hallberg joins 421

We are delighted to announce that Jimmy Hallberg has decided to join our growing 421 team. Jimmy comes most recently fro...

News

Lukas Brodin joins 421

We are happy to announce a new milestone in the history of 421. Lukas has accepted to join our team as our first graduat...

News

421 loves Spotify

421 will be hosting an exclusive event together with Spotify focusing on analytics. Believe it or not but analytics, in...

News

The right 421

During the past weekend 421 went to St Paul in France on our yearly conference. Being in a growth phase we discussed ho...

News

421 releases an article on PSD2 – The directive is Changing The Payments Market

The second payment service directive (PSD2) is opening up the Payments Market for fintechs. Will the traditional banks b...

Perspective

PSD2 is Changing The Payments Market

The second payment service directive (PSD2) is opening up the Payments Market for fintechs. Will the traditional banks b...

News

Mikael Hjorth joins 421

We launch the lovely Swedish autumn with more great news: Mikael Hjorth has joined 421! Mikael has great experience wit...

News

Flying autumn start

We are happy to announce that 421 is now delivering the right change to three out of the four mayor banks in Sweden. Ou...

News

Bellmanstafetten 2016

Congratulations to our own 421 Bellmanstafetten (5 x 5 km relay) team for a strong finish!...

News

Happy Summer Holidays!

A hectic spring is behind us and summer is knocking on the door. Delivering at full speed, we are proud of being part of...

Perspective

MiFID II – Postponed but no time for complacency

In March 2016, the European Parliament voted to postpone the introduction of MiFID II to January 3, 2018. This article e...

News

421 releases an article on MiFID II – Postponed but no time for complacency

In March 2016, the European Parliament voted to postpone the introduction of MiFID II to January 3, 2018. Read or latest...

News

Niklas Ljungberg joins 421

We can gladly inform that Niklas Ljungberg has joined the 421 team! Niklas has extensive experience from the financial ...

News

421 releases an article on the most common pitfalls in complex change execution

Use this article as an inspiration to give yourself a chance to avoid the same pitfalls during your journey. Download it...

News

421 joins partnership with Missing People Sweden for 2016

Missing People is a non-profit organisation working closely with the police authorities in the search for missing people...

News

421 releases an article on Blockchain – How bitcoin technology can revolutionize finance

Are you curious on why the banks are taking such an interest in the blockchain technology? Read our latest Perspective i...

News

421 releases two reports on how Fintech take on the banking market.

If you are interested in deepening your understanding of how Fintech start-ups challenge the banks’ income statement, ...