Klarna

Klarna is a Swedish-founded fintech company and digital bank that offers online payment solutions, most notably “buy now, pay later” services. It allows consumers to shop online or in-store and either pay immediately, pay in installments, or defer payments over time. Beyond payments, Klarna provides features such as price comparison, cashback, shopping recommendations, digital banking tools, and merchant advertising solutions. The platform is widely used by retailers and consumers across multiple countries to make checkout experiences more flexible and to increase conversion rates in e-commerce.