Our services / Payments Expertise

Payments Expertise

421 Payments offer a highly qualified team of payments specialists and project managers. Utilizing our payments expertise and experience from regulatory and transformational projects, we work tirelessly to help our clients seize opportunities in the fast-changing payments market with increasing competition and time for go-to-market.



Global transformation from an older format to the new common ISO20022 format. This affects e.g. Batch payments, Instant payments, request to pay and cross-border payments via swift.


Instant Payments

New infrastructure provided by the central banks will open up for a broader offering around instant payments, enabling new payment solutions and possibly new customer behavior as well.


Bankgiro Transition

Transition of Bankgiro services to new modern formats and products. Driving change for several years and affecting all consumers and producers of payment services on the Swedish market.

About Payments Expertise

We combine deep industry experience with a passion for payments

In a period of an unprecedented number of fundamental changes to the payments market, we provide our customers with the expertise required to succeed with their transformations.

We work closely with our customers and excel in helping them adapt and make the adjustments necessary for tomorrow’s payments landscape. This includes bank product development and customer offerings, capitalizing on opportunities possible through new technology and the ISO20022 standard. We provide our services both banks as well as other actors in the payments market. Partner with 421 Payments today, and let us meet the payments market of tomorrow, together.

What we do

Payments Professional Services

At 421 Payments, we offer specialist services to actors in the financial sector. This includes subject-matter expertise within niche areas such as business architecture, rule books, regulations, and clearing & settlement.
We work closely with your team and stakeholders to achieve results that drive your business forward.




Become a part of our team

421 is a consultancy firm characterized by proactivity, entrepreneurial spirit, and a compassionate culture. We thrive in the center of change and in being an integral part of the execution team. Joining us, you will get the opportunity to work within general change management or niche areas such as AML risk modeling. Either way, you will work on complex transformation initiatives that shape the future of financial services.