Klarna

Klarna is a fintech firm headquartered in Stockholm, Sweden. It works as an intermediary between e-commerce websites and consumers to ensure the smoothest possible shopping experience. Klarna's payment app allows to purchase in 3-4 instalments, track discounts, and compare products from different merchants to find the cheapest option. The company also offers 6 to 36 month loans for large acquisitions.

For its business clients, Klarna provides a comprehensive check-out solution and integration into its platform. Despite customers paying in instalments, sellers receive money upfront - Klarna takes all risks on itself. The company has partnerships with the world's largest retailers, including Nike, Samsung, H&M and IKEA, and is present in more than 15 countries.