Company:Klarna

From HandWiki
Klarna Group plc
TypePublic
NYSE: KLAR
IndustryFinance
Founded2005; 21 years ago (2005)
Founders
HeadquartersStockholm, Sweden
Key people
RevenueIncrease US$2.81 billion (2024)
Negative increase US$−121 million (2024)
Increase US$21 million (2024)
Total assetsIncrease US$13.8 billion (2024)
Total equityIncrease US$2.26 billion (2024)
Owners
  • Sequoia Capital (22%)
  • Sebastian Siemiatkowski (8%)
Number of employees
3,422 (2024)
Websiteklarna.com
Footnotes / references
[1][2][3]

Klarna Group plc, commonly referred to as Klarna, is a fintech company and digital bank.[4] Founded in Sweden in 2005, it is domiciled in London and listed on the New York Stock Exchange.[1] Klarna provides online financial services to 114 million consumers and partners with 850,000 merchants globally.[5][6] Initially offering buy now, pay later services, Klarna has expanded it service offering to include interest-free payments, digital banking services and retail and marketing services for the e-commerce industry. As of 2025, it has 4 million debit and credit card clients.[7]

Klarna planned to file its initial public offering (IPO) in April 2025,[8] but delayed filing as a result of market volatility amid tariff uncertainties under the Trump administration. It launched its IPO later that year in September 2025 and raised $1.37 billion.[9]

History

Sebastian Siemiatkowski, Niklas Adalberth, and Victor Jacobsson founded Klarna in 2005 after participating in the Stockholm School of Economics annual entrepreneurship competition.[10][11][12] Angel investor Jane Walerud invested in their company and connected them with a team of programmers.[13]

In 2007, venture capital firm Investment AB Öresund invested in the company.[14] In 2010, Klarna started providing services in Norway, Finland, Denmark, Germany and the Netherlands. It also received an investment from Sequoia Capital,[15] and increased its revenue by over 80% to US$54 million (~400 million SEK).[16] In 2011, British newspaper The Telegraph listed Klarna as one of Europe's 100 most promising young tech companies.[17]

In 2011, growth equity firm General Atlantic led a $155 million investment round joined by DST Global, and General Atlantic's managing director Anton Levy joined the board of directors.[18][19] In May 2011, Klarna acquired Israeli company Analyzd, which provided risk management and fraud prevention services. As of 2011, about 40% of all e-commerce sales in Sweden were through Klarna.[20] In 2013, Klarna and German Sofortüberweisung (de) merged to become Klarna Group.[21]

Klarna launched in the United States in 2015,[22] and the US has become its principal focus for growth, after securing exclusive partnerships with luxury department store Macy's.[23][24][6][25] That year, Minister of Enterprise and Innovation Mikael Damberg dubbed Klarna one of Sweden's "five unicorns", by which he meant startup companies that had succeeded in growing and attracting international investments. The other four were Spotify, Mojang, Skype, and King.[26] In 2018, Klarna acquired Close Brothers Retail Finance from the UK Close Brothers Group.[27][28]

In 2019, Klarna raised $460 million with plans to expand its operations in the US, with participation from Dragoneer Investment Group, Commonwealth Bank of Australia, HMI Capital, Merian Chysalis Investment Company Limited, and others.[29] This funding round valued the company at $5.5 billion, making Klarna the largest fintech start-up in Europe.[30] In 2020, Klarna acquired Nuji, a marketplace for fashion and lifestyle goods.[31]

In 2020, Ant Financial, the payment affiliate of Chinese e-commerce company Alibaba, invested in Klarna as part of a partnership between the two firms.[32] In June 2021, Klarna raised $639 million in a fundraising round led by SoftBank Group's Vision Fund 2, increasing the company's valuation to $45.6 billion.[33] In July 2021, Klarna acquired Stocard, an app for storing loyalty cards.[34]

In November 2021, Klarna launched its physical card, which enabled users to make purchases in interest-free installments.[35] In January 2022, Klarna launched its physical card in the UK.[36] The card had a wait list of 400,000 users as of January 2022.[37] In 2021, the company was Europe's most valuable private tech company, at a $45.6 billion valuation. Its valuation fell to $6.7 billion in 2022 after it struggled to attract additional outside investment.[38][39][40][41]

In March 2022, Klarna acquired PriceRunner, a company that provides price comparisons on products.[42] In May 2022, Klarna laid off roughly 10% of its workforce.[43][44] In June 2022, Klarna announced a partnership deal with card issuer Marqeta to bring physical Visa cards to the US.[45]

In July 2022, Klarna raised $800 million in funding at a valuation of $6.7 billion. Its valuation dropped 85% in one year, in line with decreasing valuations of unprofitable technology companies.[40] Klarna lost $580 million between January and July 2022.[46] In September 2022, it announced plans to lay off an additional 100 employees. The announcement came after budget revisions due to its drop in valuation and announced losses. Since September 2022, Klarna offers savings accounts and deposits to Spanish customers through Raisin Bank [es; de; de].[47]

In October 2022, the company launched a new "Klarna Creator" application for retailers and influencers to collaborate on brand campaigns and track their earnings.[48] In January 2024, the company announced a plan for a monthly subscription plan ahead of an anticipated initial public offering later in the year. Users of the service, called Klarna Plus, would earn double the amount of usual reward points, attain access to a selection of discounts from partners like Nike and Instacart, and see service fees waived when using the Klarna One Time Card. The fee would be $7.99 each month, as opposed to typical fees of $1 or $2 when using the service outside the network at retailers like Walmart or Costco. The company's Chief Marketing Officer, David Sandstrom, said there were also plans for a high-yield savings account in the US, with potential for subscribers to earn a higher rate than non-users.[49][50][51]

In November 2024, Klarna filed for an initial public offering in the US.[52] In February 2025, Klarna's valuation was estimated at $15 billion.[53] Klarna filed its IPO prospectus in March 2025 with plans to go public on the New York Stock Exchange under ticker symbol KLAR.[54]

In April 2025, Klarna paused its plans for a U.S. IPO due to market instability caused by President Trump's new tariff policies, which shook markets all over the world. Klarna had planned to raise over $1 billion at a valuation above $15 billion. Although the IPO market was showing signs of recovery in 2025, recent listings like Venture Global and CoreWeave had mixed receptions. Market analysts say that such instability often leads companies to delay IPOs. Klarna had 93 million users in 26 countries by the end of 2024, and had seen its valuation drop from a peak of $45.6 billion in 2021 as online spending slowed post-pandemic.[55]

In June 2025, Klarna announced it would pilot a debit card program in the US market, ahead of a full release in Europe. The Klarna Card will allow users to access FDIC-insured funds and Klarna's pay later services.[56] In September 2025, Klarna relaunched its US initial public offering (IPO) which was priced at $40 a share and raised $1.37 billion. At the close of the first day of trading, its valuation was over $17 billion.[57]

In July 2025, Klarna announced a partnership with the fashion resale marketplace Poshmark.[58]

After Klarna underwent its initial public offering in September 2025, the company reported a loss in its first quarterly earning amid a diversification of its services.[59]

In November 2025, Klarna released the KlarnaUSD stablecoin, which was intended to reduce costs when making international payments, cutting out entities like the SWIFT network. The stablecoin exists on a blockchain created by Stripe, Inc.[60]

Controversy

Regulation

In the UK, Klarna operates in the rapidly growing post-payment sector which has been criticised for encouraging consumers to get themselves into unserviceable levels of debt.[61] According to an interview in the Financial Times, Klarna had supported industry regulation since 2020 to ensure a "safe and accessible" market.[62] In February 2021, the UK Government announced that the sector would be subject to regulation from the UK's Financial Conduct Authority.[63]

The Swedish Consumer Agency contacted Klarna in 2014, following complaints that customers had received fees and debt collection communication without receiving an invoice. It was speculated if this was an unethical business model since the company made money on these reminder fees and Klarna also had a subsidiary dedicated to debt collection. The Swedish Consumer Agency found a reason to investigate how Klarna added credit fees for partial payments.[64] Before leaving the company in 2015,[65] Niklas Adalberth referred to delinquent consumers as "the best customers" as they could add legal fees and other revenue streams.[66]

In Germany, the District Court of Bremerhaven ruled in 2022 that Klarna could not demand a flat rate of €1.20 for a reminder by e-mail because Klarna had not submitted any corresponding costs.[67][68]

Privacy

In February 2020, Der Spiegel reported that Klarna's autofill feature allowed anyone to extract personal information, such as phone number, postal address and date of birth, only based on the email address and postal code of a customer.[69] In October 2020, Klarna mistakenly sent a marketing email to people who had never disclosed their contact information to Klarna. This triggered an investigation by the Information Commissioner's Office in the UK.[70]

For a brief period in May 2021, users could view the information of other users using their own login information. Klarna claims that user information was exposed randomly, and that these exposures only contained non-sensitive data. But users claimed that they were able to view addresses, phone numbers, and payment details of other people.[71][72]

In March 2022, the Swedish Authority for Privacy Protection (Integritetsskyddsmyndigheten) fined Klarna 7.5 million kr for inadequacies in its privacy notice and handling of personal data. Klarna said it would appeal the decision for further clarification on the guidelines.[73][74]

Layoffs, recruitment, and AI

In May 2022, Siemiatkowski revealed it would be laying off more than 10% of its employees. A former employee described the layoffs as "chaotic". When Siemiatkowski posted a list of the fired employees on LinkedIn, several users described his post as "tone deaf".[75]

In February 2024, Klarna announced that its new AI assistant could handle the equivalent capacity of up to 700 customer service roles.[76][77]

In December 2024, Klarna CEO Sebastian Siemiatkowski commented on how AI affected his company's hiring policies, stating that the company did not recruit last year because "AI can do all of the jobs that we humans do. It's just a question of how we apply it and use it".[78] In May 2025, the CEO told Bloomberg the company was hiring humans again as over-reliance on AI approach led to "lower quality".[79]

E-commerce scams and identity theft

Identity thieves have used Klarna to commit fraud. They exploit Klarna's buy now, pay later scheme to make purchases with a small upfront payment on a stolen account, flip those goods at a much higher price, and then evade making payments.[80][81][82][83][84] CEO Sebastian Siemiatkowski was summoned to the Swedish Ministry of Finance to answer questions about its management of identity theft and the debts of customers in May 2019.[85] In 2022, the company said that its fraud checks and controls are as strict as those of banks.[81]

In addition to identity theft issues, many Swedish-based e-commerce scams use Klarna as their payment solution.[86][87]

See also

References

  1. ↑ 1.0 1.1 "Klarna Bank AB 2023 Annual Report". Klarna. 28 February 2024. https://assets.ctfassets.net/4pxjo1vaz7xk/40Aagu27aryrZfpJ06LI39/881c1b32857325f1d54ea4a205e94a68/Klarna_Bank_Annual_Report_2023.pdf. 
  2. ↑ Milne, Richard (1 December 2020). "Michael Moritz named chairman of Swedish fintech Klarna". Financial Times. https://www.ft.com/content/b831b08c-2c5d-4903-819b-6b4dffcf7ac2. 
  3. ↑ Levingston, Ivan; Hammond, George; Milne, Richard; Quinio, Akila (9 March 2024). "Klarna's reclusive co-founder buys up shares using opaque structure". Financial Times. https://www.ft.com/content/9b120706-17eb-46c2-983d-53cf1e2f88fe. 
  4. ↑ Milne, Richard (5 March 2013). "A Swedish take on 'buy now, pay later'". Financial Times. https://www.ft.com/content/35f1d24a-7f6c-11e2-8d96-00144feabdc0. 
  5. ↑ Gani, Aisha S. (November 18, 2025). "Klarna Revenue Surges as Longer-Term Loan Book More Than Doubles". Bloomberg. https://www.bloomberg.com/news/articles/2025-11-18/klarna-revenue-surges-as-longer-term-loan-book-more-than-doubles. 
  6. ↑ 6.0 6.1 "About us". https://www.klarna.com/us/about-us/. 
  7. ↑ Tremayne-Pengelly, Alexandra (November 26, 2025). "Klarna’s First Public Earnings Report: Strong US Growth, ‘Neobanking’ and A.I.". Observer Media. https://observer.com/2025/11/klarna-earnings-bnpl-banking/. 
  8. ↑ Browne, Ryan (April 1, 2025). "Klarna's nearing a critical U.S. IPO – and it's the biggest test of CEO Sebastian Siemiatkowski's 20-year reign". https://www.cnbc.com/2025/03/31/klarna-ceo-sebastian-siemiatkowski-faces-biggest-test-yet-ipo.html. 
  9. ↑ Elliot, Natalia (2025-09-01). "Klarna Resumes IPO Filing After Pause Earlier This Year" (in en). https://fintechmagazine.com/news/klarna-resumes-ipo-filing-after-pause-earlier-this-year. 
  10. ↑ Stothard, Michael (13 July 2021). "Klarna: everything you need to know before you use it". Sifted EU. https://sifted.eu/articles/klarna-everything-to-know/. 
  11. ↑ Graham, August (2 February 2021). "Klarna – the pay later giant and Europe's biggest private fintech". Yahoo Finance. https://uk.finance.yahoo.com/news/klarna-pay-later-giant-europe-130112660.html. 
  12. ↑ Montén, Ellen (23 May 2016). "The story of how a complete coincidence led to the creation of the $2 billion fintech startup Klarna". http://nordic.businessinsider.com/the-founders-of-swedish-fintech-unicorn-klarna-say-it-all-started-when-they-missed-a-ship-across-the-pacific-2016-5. 
  13. ↑ "Interview: from Burger King to boardroom, how Klarna became". http://www.whiteboardmag.com/interview-from-burger-king-to-boardroom-how-klarna-became-a-payments-giant/. 
  14. ↑ Bernet, Magnus (18 March 2016). "Börs: Öresund och Creades säljer samtliga aktier i Klarna" (in sv). Analysguiden. SIX News (Aktiespararna). https://www.aktiespararna.se/analysguiden/nyheter/bors-oresund-och-creades-saljer-samtliga-aktier-i-klarna. 
  15. ↑ "How Klarna got investment from Sequoia Capital". Business Insider. http://www.businessinsider.com/klarna-ceo-looked-up-sandhill-road-on-google-maps-before-sequoia-capital-investment-2016-4. 
  16. ↑ "Klarna acquires Analyzd to tie social to finance and payments". TechCrunch. AOL. 4 May 2011. https://techcrunch.com/2011/05/04/klarna-acquires-analyzd-to-tie-social-to-finance-and-payments/. 
  17. ↑ "Start-Up 100: A-Z". Telegraph.co.uk. 5 April 2011. https://www.telegraph.co.uk/technology/technology-startup100/8428669/Start-Up-100-A-Z.html. 
  18. ↑ Schonfeld, Erick. "European Payment Service Klarna Raises A Whopping $155 Million From DST And General Atlantic". TechCrunch. https://techcrunch.com/2011/12/08/klarna-155-millio/. 
  19. ↑ "Klarna Closes $155 Million Financing to Accelerate Global Expansion". http://www.generalatlantic.com/media/archive/klarna-closes-$155-million-financing-to-accelerate-global-expansion/. 
  20. ↑ "E-barometern". http://www.hui.se/web/E-barometern.aspx. 
  21. ↑ Ohr, Thomas (18 December 2013). "Klarna acquires German SOFORT AG for $150 million /". https://www.eu-startups.com/2013/12/klarna-acquires-german-sofort-ag-for-150-million/. 
  22. ↑ "Fast-growing Klarna expanding its role easing e-commerce". The Columbus Dispatch. http://www.dispatch.com/content/stories/business/2016/03/27/1-fast-growing-klarna-expanding-its-role-easing-e-commerce.html. 
  23. ↑ "Inc. Founders Project with Alexa von Tobel: Why Friction is Underestimated with Sebastian Siemiatkowski of Klarna on Apple Podcasts" (in en-GB). https://podcasts.apple.com/gb/podcast/why-friction-is-underestimated-with-sebastian/id1455941009?i=1000583138733. 
  24. ↑ "Klarna annual report 2019". Klarna. March 2020. https://www.klarna.com/assets/2020/04/Klarna_Bank_AB_publ_Annual_Report_2019_EN.pdf. 
  25. ↑ "Swedish payments firm Klarna shifts focus to U.S. as revenues swell". Reuters. 24 February 2016. https://www.reuters.com/article/us-sweden-tech-klarna-idUSKCN0VX1W5. 
  26. ↑ Olsson Jeffery, Miriam (24 April 2015). "Damberg om Sveriges fem enhörningar". http://www.svd.se/damberg-om-sveriges-fem-enhorningar. 
  27. ↑ Walker, Peter (14 September 2018). "Klarna buys Close Brothers Retail Finance" (in en). https://www.retail-systems.com/rs/Klarna_Buys_Close_Brothers_Retail_Finance.php. 
  28. ↑ "Klarna grows again, acquiring close brothers retail finance to strengthen position in UK market" (in en-GB). 2 October 2018. https://thepaymentsassociation.org/article/klarna-grows-again-acquiring-close-brothers-retail-finance-to-strengthen-position-in-uk-market/. 
  29. ↑ "Klarna raises $460 million, looks to expand its payments presence in the US" (in en-US). 6 August 2019. https://techcrunch.com/2019/08/06/klarna-raises-460-million-looks-to-expand-its-payments-presence-in-the-u-s/. 
  30. ↑ Milne, Richard (6 August 2019). "Klarna becomes most valuable EU fintech with $5.5bn valuation". Financial Times. https://www.ft.com/content/3f16a05c-b828-11e9-8a88-aa6628ac896c. 
  31. ↑ "Designer Fashion & Homeware from the best online stores" (in en). https://www.nuji.com/. 
  32. ↑ Browne, Ryan (4 March 2020). "Chinese payments giant Ant Financial buys a stake in Swedish fintech start-up Klarna" (in en). https://www.cnbc.com/2020/03/04/alibaba-fintech-affiliate-ant-financial-buys-stake-in-swedens-klarna.html. 
  33. ↑ Milne, Richard (10 June 2021). "SoftBank investment helps Klarna to $45.6bn valuation". https://www.ft.com/content/9f73b352-723f-471b-b098-5f090279b5bb. 
  34. ↑ "Stocard joins Klarna". PR Newswire (Press release). Retrieved 16 December 2024.
  35. ↑ Hall, Christine (23 November 2021). "Klarna offers 'Pay Now' option in US, Klarna Card coming soon". https://techcrunch.com/2021/11/23/klarna-offers-pay-now-option-in-u-s-klarna-card-coming-soon/. 
  36. ↑ "The Klarna card is here: we're launching a no interest, no late fees physical card in the UK". Klarna. https://www.klarna.com/uk/blog/the-klarna-card-is-here-were-launching-a-no-interest-no-fees-physical-card-in-the-uk/. 
  37. ↑ "Klarna: 'buy now, pay later' firm to launch card in the UK". The Guardian. 26 January 2022. https://www.theguardian.com/money/2022/jan/26/klarna-buy-now-pay-later-firm-to-launch-card-in-the-uk. 
  38. ↑ "Klarna's valuation crashes to under $7bn in tough funding round" (in en-US). 11 July 2022. https://www.ft.com/content/66b65d68-d62e-4aec-a1ad-a7d9e2ba0435. 
  39. ↑ "Klarna sees its value slashed by 85% in latest round of fundraising" (in en). 11 July 2022. https://www.theguardian.com/technology/2022/jul/11/klarna-sees-its-value-slashed-by-85-in-latest-round-of-fundraising. 
  40. ↑ 40.0 40.1 Mukherjee, Supantha (11 July 2022). "Klarna raises $800 million as valuation plunges 85% in a year" (in en). Reuters. https://www.reuters.com/business/finance/klarnas-valuation-slumps-67-bln-with-800-mln-raise-2022-07-11/. 
  41. ↑ "Sebastian Siemiatkowski" (in en). https://www.forbes.com/profile/sebastian-siemiatkowski/. 
  42. ↑ Cameron, Isabel (4 April 2022). "Klarna completes acquisition of PriceRunner" (in en-US). https://www.chargedretail.co.uk/2022/04/04/klarna-completes-acquisition-of-pricerunner/. 
  43. ↑ "Company announcement from CEO Sebastian – Klarna Sverige". https://www.klarna.com/se/blogg/company-announcement-from-ceo-sebastian/. 
  44. ↑ Dillet, Romain (23 May 2022). "Klarna lays off 10% of its workforce" (in en-US). https://techcrunch.com/2022/05/23/klarna-lays-off-10-of-its-workforce/. 
  45. ↑ "Klarna Intros Physical Visa Card With Marqeta" (in en-US). 1 June 2022. https://www.pymnts.com/buy-now-pay-later/2022/klarna-intros-physical-visa-card-with-issuing-platform-marqeta/. 
  46. ↑ "Klarna to make second round of job cuts" (in en-US). 22 September 2022. https://sifted.eu/articles/klarna-second-round-layoffs/. 
  47. ↑ Pina Alzugaray, Monica (20 September 2022). "Klarna lanza sus depositos y cuenta de ahorro en Raisin.es" (in es). https://www.raisin.es/prensa/klarna-lanza-en-raisin-espana/. 
  48. ↑ Forristal, Lauren (19 October 2022). "Klarna launches new creator features and shoppable video" (in en-US). https://techcrunch.com/2022/10/19/klarna-launches-new-creator-features-and-shoppable-video/. 
  49. ↑ Son, Hugh (24 January 2024). "Klarna to debut $7.99 monthly plan as buy now, pay later firm seeks new revenue sources ahead of IPO" (in en). https://www.cnbc.com/2024/01/24/klarna-to-debut-7point99-monthly-plan-ahead-of-ipo.html. 
  50. ↑ Woodward, Kevin. "Eye on BNPL: Klarna Debuts a Subscription Service; PublicSquare Enlists Credova" (in en-US). https://www.digitaltransactions.net/eye-on-bnpl-klarna-debuts-a-subscription-service-public-square-enlists-credova-for-bnpl/. 
  51. ↑ Forristal, Lauren (24 January 2024). "Klarna introduces $7.99 'Klarna Plus' subscription plan as it approaches an IPO" (in en-US). https://techcrunch.com/2024/01/24/klarna-introduces-7-99-klarna-plus-subscription-plan-as-it-approaches-an-ipo/. 
  52. ↑ "Swedish Fintech Klarna Files for Widely Expected IPO in US". https://www.msn.com/en-us/money/companies/swedish-fintech-klarna-files-for-widely-expected-ipo-in-us/ar-AA1tZC0i. 
  53. ↑ "Paiement fractionné : Klarna vise le mois d'avril pour son entrée à Wall Street" (in fr). February 7, 2025. https://www.lesechos.fr/finance-marches/banque-assurances/paiement-fractionne-klarna-vise-le-mois-davril-pour-son-entree-a-wall-street-2147544. 
  54. ↑ Sigalos, MacKenzie; Levy, Ari (14 March 2025). "Buy now, pay later lender Klarna files for U.S. IPO" (in en). https://www.cnbc.com/2025/03/14/buy-now-pay-later-lender-klarna-files-for-us-ipo.html. 
  55. ↑ "Sweden's Klarna pauses US IPO plans as tariffs roil markets, sources say". April 4, 2025. https://www.reuters.com/technology/klarna-pauses-us-ipo-plans-amid-tariff-turmoil-wsj-reports-2025-04-04/. 
  56. ↑ Browne, Ryan (2025-06-03). "Klarna takes on banks with debit card as it diversifies beyond buy now, pay later" (in en). https://www.cnbc.com/2025/06/03/klarna-takes-on-banks-with-its-own-debit-card.html. 
  57. ↑ Burleigh, Emma. "Klarna's $17 billion IPO has just turned 40 staffers into overnight millionaires – while Nvidia, Canva, and Palantir workers are seeing similar gains" (in en). https://fortune.com/2025/09/11/klarna-ipo-employee-stock-soaring-millionaires-compensation-nvidia-canva-palantir/. 
  58. ↑ Ellefson, Lindsey (2025-07-22). "Poshmark's New Klarna Partnership Should Make It Easier to Resell Your Stuff" (in en). https://lifehacker.com/tech/poshmarks-new-klarna-partnership. 
  59. ↑ Quinio, Alika (November 18, 2025). "Fintech Klarna records loss as it expands into conventional lending". Financial Times. https://www.ft.com/content/4154eb8e-06e1-4152-8b51-99e30bd8324a. 
  60. ↑ Quinio, Akila (November 25, 2025). "Klarna launches stablecoin to cut cost of cross-border payments". https://www.ft.com/content/1e22422f-5859-42e0-85ff-7d6fd7869d5c. 
  61. ↑ "Klarna: 'buy now, pay later' system that is seducing millennials". 17 November 2018. https://www.theguardian.com/money/2018/nov/17/klarna-buy-now-pay-later-system-that-is-seducing-millennials. 
  62. ↑ Quinio, Akila (May 18, 2025). "UK to regulate 'buy now, pay later' lenders in legal overhaul". Financial Times. https://www.ft.com/content/fb473d88-112b-432e-8e13-f7b974d7bf5d. 
  63. ↑ "Buy now, pay later firms such as Klarna face stricter controls". BBC News. 2 February 2021. https://www.bbc.co.uk/news/business-55895162. 
  64. ↑ Carolina Neurath (1 April 2014). "Large number of complaints regarding invoices from Klarna". Svenska Dagbladet. http://www.svd.se/naringsliv/branscher/handel-och-tjanster/mangder-av-klagomal-mot-klarnas-fakturor_3420828.svd. 
  65. ↑ England, Lucy (September 3, 2015). "The deputy CEO of Swedish payments firm Klarna is leaving the company". Business Insider. https://www.businessinsider.com/klarna-cofounder-niklas-adalberth-is-leaving-the-company-2015-9. 
  66. ↑ Niklas Adalberth of Klarna at Arctic15. ArcticStartup. 25 February 2013. 31 minutes in. Archived from the original on 20 November 2021. Retrieved 20 November 2021.
  67. ↑ "Amtsgericht Bremerhaven vom 11. Januar 2022, 51 C 1062/21" (in de). https://openjur.de/u/2385572.html. 
  68. ↑ "Gerichtsurteil: Sind Mahngebühren bei Klarna zulässig?" (in de). https://www.waltroper-zeitung.de/ueberregionales/gerichtsurteil-sind-mahngebuehren-bei-klarna-zulaessig-w1724005-11000150000/. 
  69. ↑ "Dritte konnten Telefonnummern von Klarna-Kunden abrufen" (in de). 11 February 2020. https://www.spiegel.de/netzwelt/web/klarna-telefonnummern-von-kunden-waren-fuer-dritte-abrufbar-a-a32cf8d5-04e6-4588-ba4f-46151a714523. 
  70. ↑ "Privacy watchdog to probe Klarna after email backlash". BBC News. 13 October 2020. https://www.bbc.com/news/business-54521820. 
  71. ↑ "Klarna mobile app bug let users log into other customers' accounts". BleepingComputer. https://www.bleepingcomputer.com/news/security/klarna-mobile-app-bug-let-users-log-into-other-customers-accounts/. 
  72. ↑ "Klarna comment: statement on app bug". 27 May 2021. https://www.klarna.com/uk/blog/written-statement-on-app-bug/. 
  73. ↑ "Klarna comment: SDPA's conclusion of their audit". 29 March 2022. https://www.klarna.com/uk/blog/klarna-comment-sdpas-conclusion-of-their-audit/. 
  74. ↑ "Administrative fine against Klarna after investigation". 31 March 2022. https://www.imy.se/en/news/administrative-fine-against-klarna-after-investigation/. 
  75. ↑ Makortoff, Kalyeena (1 June 2022). "Klarna criticised for chaotic handling of job cuts". https://www.theguardian.com/business/2022/jun/01/klarna-criticised-for-chaotic-handling-of-job-cuts. 
  76. ↑ Karlsson, Johannes (27 February 2024). "Klarnas vd: AI-assistent ska lyfta vinsten med 400 mkr i Ã¥r" (in sv). https://www.di.se/digital/klarnas-vd-ai-assistent-ska-lyfta-vinsten-med-400-mkr-i-ar/. 
  77. ↑ Zara, Christopher (27 February 2024). "Klarna says its OpenAI virtual assistant does the work of 700 humans". https://www.fastcompany.com/91039401/klarna-ai-virtual-assistant-does-the-work-of-700-humans-after-layoffs. 
  78. ↑ Edmonds, Lauren. "Klarna CEO says the company stopped hiring a year ago because AI 'can already do all of the jobs'" (in en-US). https://www.businessinsider.com/klarna-ceo-sebastian-siemiatkowski-ai-jobs-2024-12. 
  79. ↑ Ivanova, Irina. "As Klarna flips from AI-first to hiring people again, a new landmark survey reveals most AI projects fail to deliver" (in en). https://fortune.com/2025/05/09/klarna-ai-humans-return-on-investment/. 
  80. ↑ "Klarna: 'I got a £30 bill – but I didn't buy anything'". BBC News. 29 January 2021. https://www.bbc.com/news/business-55829879. 
  81. ↑ 81.0 81.1 "'Criminals love buy now, pay later': How fraudsters exploit popular interest-free payment plans". 18 November 2021. https://www.cnbc.com/2021/11/18/criminals-exploit-buy-now-pay-later-services-like-klarna-and-afterpay.html. 
  82. ↑ "Maksufirma Klarnan kautta pystyy tilaamaan tavaraa toisen nimiin – MOT:n testi osoittaa, kuinka pahasti ruotsalaisyhtiön tietoturva vuotaa" (in fi). 13 July 2021. https://yle.fi/uutiset/3-12014974. 
  83. ↑ "SÃ¥ lätt kapas din identitet pÃ¥ Klarna" (in sv). 8 July 2019. https://www.expressen.se/ekonomi/sa-latt-kapas-din-identitet-pa-klarna/. 
  84. ↑ "Lars, 87, lurades på faktura genom köp via Klarna" (in sv). 15 May 2019. https://www.dn.se/ekonomi/lars-87-lurades-pa-faktura-genom-kop-via-klarna/. 
  85. ↑ Lindberg, Andreas (2019-05-16). "Överskuldsättningar och id-kapningar – Klarnas vd kallas till regeringen efter kritiken" (in sv). Dagens Nyheter. ISSN 1101-2447. https://www.dn.se/ekonomi/overskuldsattningar-och-id-kapningar-klarnas-vd-kallas-till-regeringen-efter-kritiken/. 
  86. ↑ Kronö, Simon (26 April 2024). "Fräcka bluffsajterna tvingar Klarna att krypa till korset" (in sv). https://www.dagensps.se/bors-finans/fracka-bluffsajterna-tvingar-klarna-att-krypa-till-korset/. "En majoritet av de vilseledande nätbutikerna har Klarna som betalalternativ." 
  87. ↑ Kronö, Simon (7 May 2024). "Så rundar bluffsajterna Klarna – och lurar nya kunder Dagens PS" (in sv). https://www.dagensps.se/foretag/sa-rundar-fracka-bluffsajterna-klarna-och-lurar-nya-kunder/. "Konsumentverket hängde för tvÃ¥ veckor sedan ut tio bluffsajter som säger sig sälja varor frÃ¥n egna lager i Sverige, men som egentligen skickar dem frÃ¥n utlandet. En majoritet av de namngivna nätbutikerna har Klarna som betalalternativ." 



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