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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.

Navigate and stay on course in a changing Payments landscape.

Bulky and rigid infrastructure is out of style

Payment infrastructure is what drives every transaction. Today, customers demand speed, security, and a seamless experience. Rising customer expectations, together with shifting technical and regulatory standards, are pushing stakeholders to modernize their legacy infrastructure to stay competitive.

Our offering within
Payment infrastructure

With our expertise in digital transformation and financial systems, we help clients design and implement future-proof payment infrastructure – all the way from strategy to execution.

Transformation

We help upgrade legacy systems and integrate new payment solutions that meet tomorrow’s demands.

Standards and formats

We ensure that the infrastructure complies with the latest industry standards and regulatory requirements.

Domain Expertise

Our consultants can provide strategic and operational guidance based on extensive experience within payments.

Business Architecture

Our approach is rooted in modern design principles — crafting scalable and resilient architecture and system infrastructure.

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Read the latest on Payment Infrastructure

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RIX INST: The Next Step in the Evolution of Instant Payments
Payments Insight
24/01/2025

RIX INST: The Next Step in the Evolution of Instant Payments

The Swedish central bank, Sveriges Riksbank, opened their RIX INST system in November 2024 to support additional instant payments beyond Swish. In short, RIX INST (Real-time Interbank Settlement) is a modernization of Sweden’s payment system which enables real-time transfers between financial institutions utilizing the ISO 20022 messaging standard. All participating banks have been working hard on this project for years, a few of them with help from 421. We sat down with Niclas Lindblom, Senior Manager at 421 and RIX INST expert, to explore several potential product ideas and business cases that could emerge from this groundbreaking technology.

Will Today’s Digital Settlement Solutions Endure During a Crisis?
Insight Payments
15/09/2024

Will Today’s Digital Settlement Solutions Endure During a Crisis?

In an increasingly interconnected world, we depend on digital systems operating 24/7, which aligns with customer expectations on the market as well. Payments are made with a tap of a card or phone, while merchants rely on card terminals and internet connections to process transactions. But what happens when the system fails? Imagine a scenario where power outages or cyberattacks disrupt electricity grids and sever internet connections. Society is suddenly “off-grid,” and the conveniences of digital payments vanish. How do we ensure stability in such crises?