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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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Autogiro Modernization Is Coming — Are Banks Ready for What’s Next?
News
02/06/2026

Autogiro Modernization Is Coming — Are Banks Ready for What’s Next?

Sweden’s direct debit infrastructure has quietly powered everyday payments for decades. From utility bills and insurance premiums to subscriptions and loan repayments, Autogiro has become one of the most business-critical payment services in the Swedish market. Following years of limited product innovation for Autogiro, change is now on the way.

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.