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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.

No more room for business improvement? We’ll bring you an outside perspective.

Build for the future, starting today

Every stakeholder needs more than just short-term goals to keep up momentum in the fast-moving world of Payments. To build longevity, organizations need a clear direction and practical strategies, based on market insights and guided by experience.

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Advisory & Strategy

At 421, we work as a close strategic partner, guiding clients in the Payments landscape and positioning them for long-term success. We love to solve challenges where we can reduce complexity – from 4, to 2, to 1.

Market Changes

We help clients analyze industry shifts and form strategies to stay competitive in the Payments market.

Strategy Development

By designing and refining business strategies, our clients are given the tools to drive growth and resilience.

Innovation

Our consultans identify and implement forward-thinking solutions to make clients ensure long-term success.

Business Models

We support clients in adapting and optimizing business models to align with evolving market demands.

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Driving complex change – Jannika Gustafsson talks about creating momentum during transformations
News Payments
28/11/2025

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.

Whitepaper: How to succeed with Go-live management
Whitepaper
25/11/2025

Whitepaper: How to succeed with Go-live management

In large-scale migrations and transformation projects, even short disruptions can lead to financial loss, reputational damage, and regulatory consequences for banks. Therefore, the Go-live moment – when the new system replaces the old one – represents a business-critical event. Download our whitepaper to gain practical guidance on planning and executing a controlled go-live for largescale migration and transformation programs.

Resilience is no longer an IT project, it’s a must for keeping the bank running
News Insight
17/11/2025

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.