
Klarna is a global fintech company that offers innovative payment and marketing solutions designed to enhance the shopping experience for consumers and drive growth for businesses. By providing flexible payment options and performance-driven marketing tools, Klarna helps merchants attract, convert, and retain customers more effectively. Key Features and Functionality: - Flexible Payment Options: Klarna offers a variety of payment methods, including: - Pay in Full: Immediate payment at the time of purchase. - Pay in 30 Days: Allows customers to receive products and pay up to 30 days later without interest or late fees when paid on time. - Pay in 3 or 4 Installments: Enables shoppers to split purchases into smaller, interest-free payments. - Financing: Provides longer-term payment plans for larger purchases, offering manageable monthly payments. - Marketing Solutions: Klarna's full-funnel marketing suite allows businesses to run targeted campaigns across various channels, including search, programmatic ads, affiliate placements, cashback offers, and personalized in-app content, reaching over 24 million active shoppers. - Seamless Integration: Klarna integrates with major e-commerce platforms such as Shopify, Magento, WooCommerce, and BigCommerce, as well as payment partners like Stripe and Adyen, facilitating easy adoption for merchants. Primary Value and Solutions for Users: For consumers, Klarna provides a flexible and convenient shopping experience by offering multiple payment options that cater to different financial needs, thereby enhancing purchasing power and satisfaction. For merchants, Klarna drives business growth by increasing average order values, improving conversion rates, and fostering customer loyalty through its comprehensive payment and marketing solutions.

Virtual Shopping brings the best of in-store to the online experience. It enables consumers to browse and buy online with confidence by connecting them directly with in-store experts through live chats and video calls to receive product advice and inspiration. For retailers, Virtual Shopping empowers in-store teams to bring their expertise beyond the walls of physical stores to millions of shoppers online in an authentic and interactive way, allowing teams to share photos, videos and demo products live directly from the store floor, which in turn drives brand engagement and loyalty while reducing return rates.



Klarna Inc. is a global payments and shopping service, redefining the shopping experience for consumers and merchants alike. Founded in Stockholm, Sweden, Klarna offers a wide range of payment solutions with a focus on making it easier, safer, and more fun to shop and handle finances. Klarna\'s most popular feature is its "Buy Now, Pay Later" service, which allows shoppers to purchase items and pay in installments without incurring interest charges. This service is designed to make high-quality products more accessible and manageable for consumers, improving their purchasing power and flexibility.In addition to deferred payments, Klarna provides direct payments, pay after delivery options, and an array of other financial services to facilitate smoother transactions both online and in-store. Their user interface is highly intuitive, reflecting Klarna\'s commitment to customer experience, which includes robust security measures to protect users\' transactions and personal information.