Klarna

Klarna is a Swedish fintech company headquartered in Stockholm, founded in 2005 by Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson. It provides payment solutions for online shopping, offering options like buy now, pay later, and installment plans. Operating in over 45 countries, Klarna serves millions of consumers and partners with thousands of merchants worldwide. Its services include direct payments, a shopping app, and post-purchase financing. Klarna is one of Europe’s largest privately held companies, with a significant presence in markets like the U.S., U.K., and Germany. Employing over 5,000 people, it leverages technology and data analytics to enhance user experience. Klarna also offers banking services, such as savings accounts and debit cards, in select regions.