Klarna's embedded-finance stack
“Can Klarna transform from the world's leading BNPL brand into a full-stack digital financial OS — combining shopping, payments, banking, open banking infrastructure, and AI — while scaling US consumer lending profitably off-balance-sheet?”
- Payments / PSP
- Klarna Payments (self-operated), Worldpay, Checkout.com, Adyen, Mollie, Worldline, Bambora, VALITOR, Stripe, Nexi
- Banking / BaaS
- In the Index's full report
- Card issuing
- In the Index's full report
- Lending
- In the Index's full report
- Insurance
- In the Index's full report
- KYC
- In the Index's full report
- Sponsor bank
- WebBank
Klarna as a provider
#2 of 259 in Lending
- Money Adviser Network
- AMC Theatres
- ASOS
- Flow
- Simpro
- Pabau Clinic Software
- Donorbox
- Vestiaire Collective
- VisualSoft
- Label Payments
Who uses Klarna
68 companies disclose Klarna in their embedded-finance stack, ranking it #2 of 259 in Lending.
Money Adviser Network
AMC Theatres
ASOS
Flow
Simpro
Pabau Clinic Software
Donorbox
Vestiaire Collective
VisualSoft
Wix Payments
Cuvva
Float
Healthie
Justt
Shoplazza
L'Occitane
Filevine
DeubaXXL
Nike
Mr. Cake
Chargeflow
Cathay Pacific
Joblogic Service Management Software
Kickserv
By segment
By region
Used for
Often used alongside
- Stripe 40%
- Adyen 25%
- PayPal 20%
- Affirm 10%
- Stripe Connect 10%
- Afterpay 10%
- Mastercard 10%
- Visa 10%
Share of Klarna's customers that also disclose each provider.
From the Embedded Finance Index, which maps the providers behind each company's embedded-finance products from public disclosures.
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