Klarna

Klarna operates a multi-sided fintech platform connecting merchants, consumers and advertisers. For merchants, it provides checkout integration, payment processing, financing options and conversion support. For consumers, it offers payment flexibility, a shopping app, wallet features, cashback and subscription-style perks. For brands, it monetises shopper attention and first-party commerce signals through retail media inventory and programmatic advertising access. Value is created by combining payment rails, consumer engagement and transaction data in one ecosystem.

Klarna is a Swedish commerce and payments company operating a multi-sided platform spanning consumer payments, merchant checkout, shopping discovery and advertising. Its core business is enabling retailers to offer flexible payment methods, including instalments and deferred payment, while Klarna assumes parts of the credit and fraud risk and pays merchants through its payment infrastructure. It also operates a consumer app that aggregates shopping, order management, cashback and wallet functions.

Beyond payments, Klarna monetises shopper intent through Klarna Ads, a retail media offering that sells sponsored and programmatic advertising to brands seeking access to high-intent retail audiences across Klarna-owned channels. Its direct customers are merchants, brands and advertisers on the B2B side, and consumers using Klarna’s app, card and payment products on the B2C side.