Klarna

Klarna, a Swedish fintech business with a full banking license, has grown from a simple "Buy Now, Pay Later" (BNPL) service provider to a global commerce and payment platform.  Its key function for merchants is to increase conversions and minimize risk by providing shoppers with a wide range of payment alternatives at checkout.  The fundamental value proposition is that the merchant receives the entire payment up front, while Klarna handles the consumer's installment plan, credit risk, and fraud liability.
 Klarna is a valuable marketing and optimization tool for merchants. 

 Klarna's technology is designed for both speed and security.  It employs AI and machine learning algorithms to make real-time underwriting and credit decisions, delivering a smooth, quick checkout experience for customers.  Klarna (PCI DSS compliant) handles all sensitive client information, reducing the merchant's security burden significantly.