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How we make you succeed in the world of Payments

We help our clients navigate the Payments domain and provide guidance in decision-making; from strategy to execution.

Some things are easier to do yourself. Payments transformation is not one of them.

Change is coming faster than ever

Payments is one of the most challenging and rapidly evolving aspects of finance. Stakeholders such as banks, institutions, and PSPs must continuously adapt to new rules and regulations, market trends, and technological breakthroughs. The work to be competitive today, and prepared for change tomorrow, is always ongoing.

Specializing in Payments

At 421, we are focused on Payments, period. We devote our time, knowledge, and experience to leading transformations and helping our clients achieve competitiveness, compliance, and agility in a dynamic landscape.

Insights and expertise

By keeping up with market trends and the latest regulations, we enable clients to work proactively and stay prepared for change.

Technical know-how

With our expertise, clients can overcome complex challenges and stay up to date with technological advancements.

Innovative power

Payments is always evolving, and we are driven innovators enabling the desired changes in our clients’ business.

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.

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.

Read more about Payment Infrastructure
  • 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.

Read more about Compliance & Rulebooks
  • 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.

Read more about Business & Product Development
  • 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.

Read more about Advisory & Strategy
  • Market Changes
  • Strategy Development
  • Innovation
  • Business Models

News and insights

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Mikael Hjorth gets you up to speed with SEK Batch Transformation – “2026 will be a crucial year for Swedish banks”
Insight
14/10/2025

Mikael Hjorth gets you up to speed with SEK Batch Transformation – “2026 will be a crucial year for Swedish banks”

Swedish banks are entering an intensive testing phase in the SEK Batch transformation, and by April 14, all banks must be able to receive account-to-account batch payments in the ISO 20022 format. We met with Senior Consultant, and Partner, Mikael Hjorth to discuss the preparation to date, how to succeed with the testing, and why banks should already be planning their launch.

The 421 newsletter keeps you up to date within Payments

Every quarter we compile the best of our white papers and articles to give our network quick access to the latest and most vital knowledge within Payments.

Connect with 421

Whether you want to learn more about us or book a meeting, we look forward to hearing from you.

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