Founded in 2005 in Stockholm, Sweden, Klarna offers a range of products and services in payments, social shopping, and personal finances. With over 150 million active users and 2 million daily transactions, Klarna is revolutionizing the retail banking industry by saving consumers time and money while providing them with control over their finances. The platform is integrated with over 450,000 global retail partners, including well-known brands like H&M, Saks, Sephora, and Nike. Klarna's innovative technology delivers a seamless shopping experience online and in-store, offering customers flexible payment options such as direct payments, pay after delivery, and installment plans. With a presence in 45 markets and over 6,000 employees, Klarna is a regulated bank known for its interest-free financing model, allowing shoppers to buy now and pay later.