Klarna is Europe's highest valued FinTech startup. It empowers consumers by offering flexible payment options including paying in 4 installments with 0% interest and no impact to credit scores. Klarna allows customers to browse, set budgets, check out and pay later on any device. It generates revenue through merchant fees from online retailers and interest from later payments. Founded in 2005, Klarna has grown significantly and was valued at $45.6 billion after a recent funding round, having established itself as an early leader in the buy now, pay later space.

1. Klarna
Kabir Sawal
Buy now, pay later
Europe’s highest valued FinTech startup

2. Empowering
Consumers
• Flexible
• 0% Interest
• No credit impact
Pay in 4, on any device

3. Problem Solving
Value for $$ Brand Loyalty
“Family Firsts”

4. Browse the app

5. Set a budget

6. Check out

7. Pay later

8. Financials
Revenue (SEK)

9. Financials
Monthly Active Users

10. Business Model
= 69.2%
= 29.5%
= 1.3%
How Klarna Makes Its Money

11. Company History
Founded, 2005
Sequoia
Capital/80% ⬆,
2010
Klarna
Checkout, 2012
10M Users/
$1B Val., 2013
🇺🇸/$2B Val.,
2015
Klarna Bank/
App, 2017
Pay in 4, 2018
1M/day, Present

12. The Competition

13. Setting Themselves Apart
Addressing the Needs of Di
ff
erent Personas

14. Marketing Frenzy
Superbowl w/ Maya Rudolph Colab w/ A$AP Rocky

15. Success
$3.7B Funding —> $45.6B Valuation
Early leader in a hot space

16. References
• https://www.klarna.com/international/klarna-15/
• https://productmint.com/the-klarna-business-model-how-does-klarna-make-money/
• https://www.statista.com/statistics/1137411/klarna-monthly-active-users-uk/
• https://craft.co/klarna/metrics
• https://www.statista.com/statistics/865704/klarna-bank-operating-revenue/
• https://footwearnews.com/2020/business/retail/klarna-consumer-shopping-tribes-2021-
strategy-1203083964/
• https://investors.a
ff
irm.com/news-releases/news-release-details/a
ff
irm-reports-
f
iscal-
year-2021-third-quarter-results
• https://entrepreneur-360.com/how-does-afterpay-make-money-13180