The 421 perspectives articles draws on our extensive experience in the financial industry. It makes complex information from multiple sources available in an easily digestible format for everyone involved in or affected by change initiatives within the financial services industry. You can download them for free below. You can also subscribe to the articles by clicking Subscribe below and provide your e-mail address.
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 the general direction AML processes are heading and the investments that banks should do to stay ahead.
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 retail deposit accounts. The article aims to inform as well as challenge engrained thinking regarding the competitive resilience of the industry.
Is BIRD the word?
Creating a common language, like BIRD, in the area of regulatory reporting, where each new regulation builds on-top of the existing ones with clear definitions and guidelines from the authorities, has huge potential. But will all National Central Banks in the EU get onboard?
RegTech is here: Time to turn Regulatory Compliance into a Competitive Advantage
This article aims to introduce Regulatory Technology (RegTech), highlight the significance of increasing RegTech investments, underline some of the obstacles and provide a point of view on how each of the three key parties; financial institutions, regulatory authorities and RegTech players, can each contribute to re-shape the regulatory compliance ecosystem.
PSD2 is Changing The Payments Market
The second payment service directive (PSD2) is opening up the Payments Market for fintechs. Will the traditional banks be able to adjust in time to keep their customer base?
421 has analyzed the consequences of the PSD2 directive coming into effect early 2018.
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 explains why financial organizations should by no means delay their preparations for MiFID II compliance.
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 it as an inspiration to give yourself a chance to avoid the same pitfalls during your journey.
Fintechs take on the banking market
Investments in the financial services start-ups known as Fintechs have grown exponentially over the last years. This article explores how these new players in the banking market can mount a credible challenge to the banking establishment.
How the Bitcoin technology can revolutionize finance
Leading banks are investing heavily in blockchain, the technology behind bitcoin. This article explores the basics behind the technology, its pros and challenges and why the interest in blockchain is currently booming.