421

It's less than one month until Christmas and we are busy working hard to keep our clients as happy as possible! We are a small yet knowledgeable consultancy firm, focusing on #Payments. Don't hesitate to reach out to us if you're in need of some help during next year! #Team421 #Consultants #Transformation

🌟 FIDA: Unlocking Possibilities, Navigating Challenges 🌟 The Financial Data Access (FIDA) framework is set to revolutionize the financial services industry, opening new doors for innovation, consumer empowerment, and market transformation. But with these possibilities come critical challenges and profound impacts to consider. In this article, "FIDA: The Possibilities, Challenges, and Impacts on the Financial Services Industry," we delve into what FIDA means for the future of finance. From opportunities to risks, it's a conversation the industry can’t afford to miss. #FIDA #FinancialServices #DataAccess #Innovation #Fintech https://lnkd.in/dKKMiJ5M

Our latest white paper explores the main features of PSD3, PSR and FIDA, what the changes mean to the financial sector, and the necessary steps for a successful transition and compliance. Read more on our website 👇 https://lnkd.in/d6mBWywc

2024's version of the "Sweden Pays Survey" is here. It reveals significant changes in the payment habits of Swedes over the past decade. Here's some interesting findings: 🍎 Apple Pay is the most common way to pay by phone in physical stores as well as the fastest-growing payment method in recent years. 💸 The three most frequently used payment methods in Sweden are: 1) Swish 2) Mastercard 3) Kivra (who recently passed Klarna). 🔎 Despite the significant increase in the popularity of payment apps, consumers still perceive them as insecure from a fraud perspective. Read more in the full report (in Swedish) found in the link below 👇 https://lnkd.in/dabkJWN8

Lots of interesting things are happening on the payment market! In a recent article by Dagens Industri, a project known as "Nexus" is being discussed. The project's goal is to interconnect different countries' "Swish-systems", so that money can cross boarders and currencies in seconds and at almost no cost. The European Central Bank has recently expressed their interest in this project... Soooo, if we're lucky we might have an international and instant Payments system in near the future 💱 💰 🤩 Read more in the article below 👇 https://lnkd.in/dEzSB-3s

Celebrating 6 years with Shabnam Marboot at 421! 🎉 It's hard to believe it's been six years already - time flies when you're constantly learning, growing, and making an impact! Shabnam joined us as a Senior Consultant in 2018 and quickly rose to Manager, showcasing her dedication, expertise, and passion for her work. Over the years, she’s taken on many roles within our team besides consulting; supporting marketing, sales, events, and strategic initiatives. All while also being responsible for a team of consultants. Her contributions over the years have been truly invaluable. Reflecting on her journey, Shabnam shares how much 421 has evolved, moving from a mentorship-based structure to a more defined organization with clear roles and a strong niche in Payments. This shift has created a positive direction that’s felt throughout the company and in our relationships with clients. When asked what she loves most about working at 421, Shabnam highlights our “one big team” culture. Here, it's all about collaboration, work-life balance, and shared values. We’re proud of the challenging and rewarding projects we tackle together—and of course, the fantastic colleagues who make every day a privilege. Thank you, Shabnam, for your dedication, leadership, and positivity. Here’s to many more years of success and growth together! 🥂 #Anniversary #Team421 #CelebratingSuccess #EmployeeSpotlight

What do we actually do at 421? Help our clients succeed within the Payments Industry, yes. But how? Read about how Mikael Hjorth does it below 👇 https://lnkd.in/dMKNiAcZ

Our clients love us. Unconventional to say, we know, but it's true! We work closely with our customers and help them adapt and make the adjustments necessary for tomorrow’s payments landscape. This includes transformations within payment infrastructure, compliance and rulebooks, bank products and business development as well as strategy and advisory services. We provide our services to banks as well as to other actors in the payments market. Get in contact with us today, and let us meet the payments market of tomorrow, together.

We’re so happy to have you on board, Cecilia Guthreus 🥳⭐️

The future of European payments: PSD3, PSR, and FIDA are right around the corner! 🚀 The European payments landscape is evolving, and the introduction of PSD3, PSR, and FIDA marks a major shift. This transformative package is designed to enhance consumer protection, drive innovation, and elevate the competitiveness of banking services across Europe. In our latest white paper, we dive into: 🔑 The key elements of these new regulations 💡 Their implications for the financial sector 📈 Strategic steps for a smooth transition and compliance Discover how these changes will shape the future of payments and how your organization can stay ahead. #Fintech #Payments #PSD3 #Innovation #Banking #PSR #FIDA Please find the link in the comments. 👇