Klarna Explained

Klarna Bank AB
Type:Private
Industry:Finance
Location:Stockholm, Sweden
Revenue: (2023)
Operating Income: (2023)
Net Income: (2023)
Assets: (2023)
Equity: (2023)
Num Employees:4,201 (2023)
Footnotes:[1] [2] [3]

Klarna Bank AB, commonly referred to as Klarna, is a Swedish fintech company that provides online financial services. The company provides payment processing services for the e-commerce industry, managing store claims and customer payments.[4] The company is a "buy now, pay later" service provider.[5]

The company has more than 5,000 employees, most of them working at the headquarters in Stockholm and Berlin. In 2021, the company handled about US$80 billion in online sales., about 40% of all e-commerce sales in Sweden went through Klarna.[6] In 2021, the company was Europe's most valuable private tech company, at a $45.6billion valuation. However, their valuation was cut to $6.7billion in 2022 after struggling to attract additional outside investment.[7] [8] [9] [10]

History

The three founders Sebastian Siemiatkowski, Niklas Adalberth and Victor Jacobsson founded Klarna in 2005 after participating in the Stockholm School of Economics annual entrepreneurship competition. [11] [12] [13] angel investor Jane Walerud, invested in their company and connected them with a team of programmers.[14]

In 2007, venture capital firm Investment AB Öresund invested in the company.[15] Three years later, Klarna started providing services in Norway, Finland, Denmark, Germany and the Netherlands. They also received an investment from Sequoia Capital,[16] and increased their revenue by over 80% to US$54million (~400million SEK).[17] In 2011, British newspaper The Telegraph listed Klarna as one of Europe's 100 most promising young tech companies.[18]

In 2011, growth equity firm General Atlantic led a $155million investment round joined by DST Global, and General Atlantic's managing director Anton Levy joined the board of directors.[19] [20] In May 2011, Klarna acquired Israeli company Analyzd, which provided risk management and fraud prevention services

In 2013, Klarna and German merged to become Klarna Group.[21]

Klarna launched in the United States in September 2015,[22] and the US has become its principal focus for future growth, after securing exclusive partnerships with luxury department store Macy's.[23] [24] [25] That year, Minister of Enterprise and Innovation Mikael Damberg dubbed Klarna one of Sweden's "five unicorns", by which he meant startup companies that had succeeded in growing and attracting international investments. The other four companies were Spotify, Mojang, Skype, and King.[26]

In September 2018, Klarna acquired Close Brothers Retail Finance from the UK Close Brothers Group.[27] [28]

In 2019, Klarna raised $460million with plans to expand its operations the US, with participation from Dragoneer Investment Group, Commonwealth Bank of Australia, HMI Capital, Merian Chysalis Investment Company Limited and others.[29] This funding round valued the company at $5.5billion, making Klarna the largest fintech start-up in Europe.[30] In 2020, Klarna acquired Nuji, a marketplace for fashion and lifestyle goods.[31]

In 2020, Ant Financial, the payment affiliate of Chinese e-commerce company Alibaba, invested in Klarna as part of a partnership between the two firms.[32]

In June 2021, Klarna raised $639million in a fundraising round led by SoftBank Group's Vision Fund 2, increasing the company's valuation to $45.6billion.[33]

In November 2021, Klarna launched its physical card, which enabled users to make purchases in interest-free installments. [34] In January 2022, Klarna launched their physical card in the UK. [35] The card had a wait list of 400,000 users .[36]

In March 2022, Klarna acquired PriceRunner, a company that provides price comparisons on products.[37]

In May 2022, Klarna laid off roughly 10% of its workforce.[38] [39]

In June 2022, Klarna announced a partnership deal with card issuer Marqeta to bring physical Visa cards to the US.[40]

In July 2022, Klarna raised $800million in funding at a valuation of $6.7billion. Their valuation dropped 85% in one year, in line with decreasing valuations of unprofitable technology companies. Klarna lost $580million between January and July 2022.[41] In September of that year, Klarna announced plans to lay off an additional 100 employees. The announcement came after budget revisions due to its drop in valuation and announced losses.

Since September 2022, Klarna offers savings accounts and deposits to Spanish customers through .[42]

In October 2022, the company launched a new "Klarna Creator" application for retailers and influencers to collaborate on brand campaigns and to track their earnings.[43]

In January 2024, the company announced a plan for a monthly subscription plan ahead of an anticipated initial public offering later in the year. Users of the service, called Klarna Plus, would earn double the amount of usual reward points, attain access to a selection of discounts from partners like Nike and Instacart, and see service feeds waived when using the Klarna One Time Card. The fee would be $7.99 each month, as opposed to typical fees of $1 or $2 when using the service outside the network at retailers like Walmart or Costco. The company's Chief Marketing Officer, David Sandstrom, said there were also plans for a high-yield savings account in the US, with potential for subscribers to earn a higher rate than non-users.[44] [45] [46]

In February 2024, Klarna announced that AI replaced 700 employees at the company, about 10% of the workforce at the time.[47] [48]

Controversy

Regulation

In the UK, Klarna operates in the rapidly growing post-payment sector which has been criticised for encouraging consumers to get themselves into unserviceable levels of debt.[49] In February 2021, the UK Government announced that the sector would be subject to regulation from the UK's Financial Conduct Authority.[50]

In Sweden a large number of complaints regarding Klarna were sent to the Swedish Consumer Agency in 2014. Many customers had received reminder fees and threats about debt collection without having received a proper invoice. It was speculated if this was an unethical business model since the company made money on these reminder fees and Klarna also had a subsidiary dedicated to debt collection. The Swedish Consumer Agency also found a reason to investigate how Klarna added credit fees for partial payments.[51] The year before the co-founder Niklas Adalberth said in a presentation during the startup conference Arctic15 that: "That is one of our revenue streams[...] the best customer is the one that doesn't pay directly but actually [gets] a reminder and then also debt collection because we are able to add the legal fees."[52]

In Germany, the District Court of Bremerhaven ruled in 2022 that Klarna could not demand a flat rate of €1.20 for a reminder by e-mail because Klarna had not submitted any corresponding costs.[53] [54]

Privacy

In February 2020, German: [[Der Spiegel (website)|Der Spiegel]] reported that Klarna's autofill feature allowed anyone to extract personal information, such as phone number, postal address and date of birth, only based on the email address and postal code of a customer.[55]

In October 2020, Klarna mistakenly sent a marketing email to people who had never disclosed their contact information to Klarna. This triggered an investigation by the Information Commissioner's Office in the UK. [56]

For a brief period in May 2021, users could view the information of other users using their own login information. Klarna claims that user information was exposed randomly, and that these exposures only contained non-sensitive data. However, users claimed that they were able to view addresses, phone numbers, and payment details of other people.[57] [58]

Identity thieves have used Klarna to commit fraud. They exploited Klarna's buy now, pay later scheme to make purchases with a small upfront payment on a stolen account, flip those goods at a much higher price, and then evade making payments.[59] [60] [61] The company stated that its fraud checks and controls are as strict as those of banks.

In March 2022, the Swedish Authority for Privacy Protection (Swedish: Integritetsskyddsmyndigheten) fined Klarna for inadequacies in its privacy notice and handling of personal data. Klarna stated it would appeal the decision for further clarification on the guidelines.[62] [63]

Layoffs

In May 2022, Siemiatkowski revealed it would be laying off more than 10% of its employees. A former employee described the layoffs as "chaotic". When Siemiatkowski posted a list of the fired employees on LinkedIn, several users described his post as "tone deaf".[64]

E-commerce scams

Many Swedish e-commerce scams use Klarna as their payment solution.[65] [66] Additionally, there are many cases of ID thefts, when Klarna is used to make transactions in other people's names.[67] [68]

See also

Notes and References

  1. Web site: Klarna Bank AB 2023 Annual Report . 19 May 2024 . 28 February 2024 . pdf . Klarna . 20 May 2024 . https://web.archive.org/web/20240520052804/https://assets.ctfassets.net/4pxjo1vaz7xk/40Aagu27aryrZfpJ06LI39/881c1b32857325f1d54ea4a205e94a68/Klarna_Bank_Annual_Report_2023.pdf . live .
  2. News: Michael Moritz named chairman of Swedish fintech Klarna . . 1 December 2020 . Richard . Milne . 14 July 2022 . 14 July 2022 . https://web.archive.org/web/20220714140700/https://www.ft.com/content/b831b08c-2c5d-4903-819b-6b4dffcf7ac2 . live .
  3. News: Klarna's reclusive co-founder buys up shares using opaque structure . 9 March 2024 . Financial Times . Levingston . Ivan . Hammond . George . Milne . Richard . Quinio . Akila . 20 May 2024 . 3 April 2024 . https://web.archive.org/web/20240403232659/https://www.ft.com/content/9b120706-17eb-46c2-983d-53cf1e2f88fe . live .
  4. Web site: About us. Klarna US. 27 September 2021. 1 March 2021. https://web.archive.org/web/20210301001223/https://www.klarna.com/us/about-us/. live.
  5. News: Milne . Richard . A Swedish take on 'buy now, pay later' . Financial Times . 5 March 2013 . 27 September 2021 . 27 September 2021 . https://web.archive.org/web/20210927181709/https://www.ft.com/content/35f1d24a-7f6c-11e2-8d96-00144feabdc0 . live .
  6. Web site: E-barometern . 22 August 2011 . https://web.archive.org/web/20110807215009/http://www.hui.se/web/E-barometern.aspx . 7 August 2011 . dead .
  7. Web site: Klarna's valuation crashes to under $7bn in tough funding round. 11 July 2022. 11 July 2022. Financial Times. en-US. 11 July 2022. https://web.archive.org/web/20220711130936/https://www.ft.com/content/66b65d68-d62e-4aec-a1ad-a7d9e2ba0435. live.
  8. Web site: 11 July 2022 . Klarna sees its value slashed by 85% in latest round of fundraising . 26 November 2022 . the Guardian . en . 26 November 2022 . https://web.archive.org/web/20221126200954/https://www.theguardian.com/technology/2022/jul/11/klarna-sees-its-value-slashed-by-85-in-latest-round-of-fundraising . live .
  9. News: Mukherjee . Supantha . 11 July 2022 . Klarna raises $800 million as valuation plunges 85% in a year . en . Reuters . 26 November 2022 . 26 November 2022 . https://web.archive.org/web/20221126200942/https://www.reuters.com/business/finance/klarnas-valuation-slumps-67-bln-with-800-mln-raise-2022-07-11/ . live .
  10. Web site: Sebastian Siemiatkowski . 26 November 2022 . Forbes . en . 26 November 2022 . https://web.archive.org/web/20221126200942/https://www.forbes.com/profile/sebastian-siemiatkowski/ . live .
  11. News: Stothard . Michael . Klarna: everything you need to know before you use it . Sifted EU . 13 July 2021 . 27 September 2021 . 27 September 2021 . https://web.archive.org/web/20210927181701/https://sifted.eu/articles/klarna-everything-to-know/ . live .
  12. News: Graham . August . Klarna – the pay later giant and Europe's biggest private fintech . Yahoo Finance . 2 February 2021 . 27 September 2021 . 27 September 2021 . https://web.archive.org/web/20210927181710/https://uk.finance.yahoo.com/news/klarna-pay-later-giant-europe-130112660.html . live .
  13. Web site: Montén. Ellen. The story of how a complete coincidence led to the creation of the $2 billion fintech startup Klarna. Business Insider Nordic. 18 December 2016. https://web.archive.org/web/20161220195148/http://nordic.businessinsider.com/the-founders-of-swedish-fintech-unicorn-klarna-say-it-all-started-when-they-missed-a-ship-across-the-pacific-2016-5. 20 December 2016. dead. 23 May 2016.
  14. Web site: Interview: from Burger King to boardroom, how Klarna became. Whiteboard. 18 December 2016. https://web.archive.org/web/20180312201552/http://www.whiteboardmag.com/interview-from-burger-king-to-boardroom-how-klarna-became-a-payments-giant/. 12 March 2018. dead.
  15. News: Bernet . Magnus . Börs: Öresund och Creades säljer samtliga aktier i Klarna . Analysguiden . SIX News . Aktiespararna . 18 March 2016 . sv . 27 September 2021 . 27 September 2021 . https://web.archive.org/web/20210927181719/https://www.aktiespararna.se/analysguiden/nyheter/bors-oresund-och-creades-saljer-samtliga-aktier-i-klarna . live .
  16. Web site: How Klarna got investment from Sequoia Capital. Business Insider. subscription. 8 April 2016. 8 April 2016. https://web.archive.org/web/20160408154109/http://www.businessinsider.com/klarna-ceo-looked-up-sandhill-road-on-google-maps-before-sequoia-capital-investment-2016-4. live.
  17. Web site: Klarna acquires Analyzd to tie social to finance and payments. 4 May 2011. AOL. TechCrunch. 8 April 2016. 15 April 2016. https://web.archive.org/web/20160415183401/http://techcrunch.com/2011/05/04/klarna-acquires-analyzd-to-tie-social-to-finance-and-payments/. live.
  18. Web site: Start-Up 100: A-Z. 5 April 2011. Telegraph.co.uk. 8 April 2016. 28 February 2021. https://web.archive.org/web/20210228140604/https://www.telegraph.co.uk/technology/technology-startup100/8428669/Start-Up-100-A-Z.html. live.
  19. News: Schonfeld. Erick. European Payment Service Klarna Raises A Whopping $155 Million From DST And General Atlantic. 16 December 2015. TechCrunch. 18 January 2021. https://web.archive.org/web/20210118021549/https://techcrunch.com/2011/12/08/klarna-155-millio/. live.
  20. Web site: Klarna Closes $155 Million Financing to Accelerate Global Expansion. General Atlantic website. 16 December 2015. https://web.archive.org/web/20151222125730/http://www.generalatlantic.com/media/archive/klarna-closes-$155-million-financing-to-accelerate-global-expansion/. 22 December 2015. dead.
  21. Web site: Ohr . Thomas . Klarna acquires German SOFORT AG for $150 million / . EU-Startups . 18 December 2013 . 27 September 2021 . 27 September 2021 . https://web.archive.org/web/20210927181701/https://www.eu-startups.com/2013/12/klarna-acquires-german-sofort-ag-for-150-million/ . live .
  22. Web site: Fast-growing Klarna expanding its role easing e-commerce. The Columbus Dispatch. 8 April 2016. 22 January 2018. https://web.archive.org/web/20180122072946/http://www.dispatch.com/content/stories/business/2016/03/27/1-fast-growing-klarna-expanding-its-role-easing-e-commerce.html. dead.
  23. Web site: Inc. Founders Project with Alexa von Tobel: Why Friction is Underestimated with Sebastian Siemiatkowski of Klarna on Apple Podcasts . 20 January 2023 . Apple Podcasts . en-GB . 20 January 2023 . https://web.archive.org/web/20230120133509/https://podcasts.apple.com/gb/podcast/why-friction-is-underestimated-with-sebastian/id1455941009?i=1000583138733 . live .
  24. News: Klarna annual report 2019. Klarna. March 2020. 12 May 2020. 23 January 2021. https://web.archive.org/web/20210123071341/https://www.klarna.com/assets/2020/04/Klarna_Bank_AB_publ_Annual_Report_2019_EN.pdf. live.
  25. News: Swedish payments firm Klarna shifts focus to U.S. as revenues swell. Reuters. 24 February 2016. 2 July 2017. 7 July 2017. https://web.archive.org/web/20170707191703/http://www.reuters.com/article/us-sweden-tech-klarna-idUSKCN0VX1W5. live.
  26. News: Olsson Jeffery. Miriam. Damberg om Sveriges fem enhörningar. Damberg about Sweden's five unicorns. 24 April 2015. Svenska Dagbladet. 15 April 2016. 24 April 2016. https://web.archive.org/web/20160424104436/http://www.svd.se/damberg-om-sveriges-fem-enhorningar. live.
  27. Web site: Walker . Peter . 14 September 2018 . Klarna buys Close Brothers Retail Finance . 19 March 2024 . Retail Systems . en . 19 March 2024 . https://web.archive.org/web/20240319223552/https://www.retail-systems.com/rs/Klarna_Buys_Close_Brothers_Retail_Finance.php . live .
  28. Web site: 2 October 2018 . Klarna grows again, acquiring close brothers retail finance to strengthen position in UK market The Payments Association . 19 March 2024 . The Payments Association . en-GB . 19 March 2024 . https://web.archive.org/web/20240319224213/https://thepaymentsassociation.org/article/klarna-grows-again-acquiring-close-brothers-retail-finance-to-strengthen-position-in-uk-market/ . live .
  29. Web site: Klarna raises $460 million, looks to expand its payments presence in the US. TechCrunch. 6 August 2019. en-US. 6 August 2019. https://web.archive.org/web/20190806142937/https://techcrunch.com/2019/08/06/klarna-raises-460-million-looks-to-expand-its-payments-presence-in-the-u-s/. 6 August 2019 . live.
  30. News: Milne . Richard . Klarna becomes most valuable EU fintech with $5.5bn valuation . Financial Times . 6 August 2019 . Financial Times . 7 August 2019 . 25 February 2021 . https://web.archive.org/web/20210225225409/https://www.ft.com/content/3f16a05c-b828-11e9-8a88-aa6628ac896c . live .
  31. Web site: Nuji Designer Fashion & Homeware from the best online stores. 13 July 2020. Nuji. en. 2 August 2020. https://web.archive.org/web/20200802235455/https://www.nuji.com/. live.
  32. Web site: Browne. Ryan. 4 March 2020. Chinese payments giant Ant Financial buys a stake in Swedish fintech start-up Klarna. 11 December 2020. CNBC. en. 17 December 2020. https://web.archive.org/web/20201217180407/https://www.cnbc.com/2020/03/04/alibaba-fintech-affiliate-ant-financial-buys-stake-in-swedens-klarna.html. live.
  33. News: Milne . Richard . SoftBank investment helps Klarna to $45.6bn valuation . Financial Times . 10 June 2021 . 11 June 2021 . 10 June 2021 . https://web.archive.org/web/20210610181509/https://www.ft.com/content/9f73b352-723f-471b-b098-5f090279b5bb . live .
  34. Web site: Hall . Christine . Klarna offers 'Pay Now' option in US, Klarna Card coming soon . 26 November 2021 . TechCrunch . 23 November 2021 . 26 November 2021 . https://web.archive.org/web/20211126150012/https://techcrunch.com/2021/11/23/klarna-offers-pay-now-option-in-u-s-klarna-card-coming-soon/ . live .
  35. Web site: The Klarna card is here: we're launching a no interest, no late fees physical card in the UK . Klarna . 28 January 2022 . 28 January 2022 . https://web.archive.org/web/20220128091426/https://www.klarna.com/uk/blog/the-klarna-card-is-here-were-launching-a-no-interest-no-fees-physical-card-in-the-uk/ . live .
  36. Web site: Klarna: 'buy now, pay later' firm to launch card in the UK . The Guardian . 26 January 2022 . 31 January 2022 . 31 January 2022 . https://web.archive.org/web/20220131105602/https://www.theguardian.com/money/2022/jan/26/klarna-buy-now-pay-later-firm-to-launch-card-in-the-uk . live .
  37. Web site: Cameron . Isabel . 4 April 2022 . Klarna completes acquisition of PriceRunner – . 4 April 2022 . Latest Retail Technology News From Across The Globe – Charged . en-US . 7 July 2023 . https://web.archive.org/web/20230707024954/https://www.chargedretail.co.uk/2022/04/04/klarna-completes-acquisition-of-pricerunner/ . live .
  38. Web site: Company announcement from CEO Sebastian – Klarna Sverige . 23 May 2022 . 23 May 2022 . https://web.archive.org/web/20220523224144/https://www.klarna.com/se/blogg/company-announcement-from-ceo-sebastian/ . live .
  39. Web site: Klarna lays off 10% of its workforce . 31 May 2022 . TechCrunch . 23 May 2022 . en-US . https://archive.today/20220524163004/https://techcrunch.com/2022/05/23/klarna-lays-off-10-of-its-workforce/ . 24 May 2022 . live.
  40. Web site: PYMNTS . 1 June 2022 . Klarna Intros Physical Visa Card With Marqeta . 2 June 2022 . www.pymnts.com . en-US . 1 June 2022 . https://web.archive.org/web/20220601182246/https://www.pymnts.com/buy-now-pay-later/2022/klarna-intros-physical-visa-card-with-issuing-platform-marqeta/ . live .
  41. Web site: 22 September 2022 . Klarna to make second round of job cuts . 28 October 2022 . www.sifted.eu . en-US . 28 October 2022 . https://web.archive.org/web/20221028212440/https://sifted.eu/articles/klarna-second-round-layoffs/ . live .
  42. Web site: Pina Alzugaray . Monica . Klarna lanza sus depositos y cuenta de ahorro en Raisin.es . Raisin . 21 February 2024 . es . 20 September 2022 . 21 February 2024 . https://web.archive.org/web/20240221225618/https://www.raisin.es/prensa/klarna-lanza-en-raisin-espana/ . live .
  43. Web site: Forristal . Lauren . 19 October 2022 . Klarna launches new creator features and shoppable video . 19 October 2022 . TechCrunch . en-US . 19 October 2022 . https://web.archive.org/web/20221019141327/https://techcrunch.com/2022/10/19/klarna-launches-new-creator-features-and-shoppable-video/ . live .
  44. Web site: Son . Hugh . 24 January 2024 . Klarna to debut $7.99 monthly plan as buy now, pay later firm seeks new revenue sources ahead of IPO . 24 January 2024 . CNBC . en . 24 January 2024 . https://web.archive.org/web/20240124130800/https://www.cnbc.com/2024/01/24/klarna-to-debut-7point99-monthly-plan-ahead-of-ipo.html . live .
  45. Web site: Woodward . Kevin . Eye on BNPL: Klarna Debuts a Subscription Service; PublicSquare Enlists Credova . 24 January 2024 . Digital Transactions . en-US . 24 January 2024 . https://web.archive.org/web/20240124164836/https://www.digitaltransactions.net/eye-on-bnpl-klarna-debuts-a-subscription-service-public-square-enlists-credova-for-bnpl/ . live .
  46. Web site: Forristal . Lauren . 24 January 2024 . Klarna introduces $7.99 'Klarna Plus' subscription plan as it approaches an IPO . 24 January 2024 . TechCrunch . en-US . 24 January 2024 . https://web.archive.org/web/20240124153734/https://techcrunch.com/2024/01/24/klarna-introduces-7-99-klarna-plus-subscription-plan-as-it-approaches-an-ipo/ . live .
  47. Web site: Karlsson . Johannes . Klarnas vd: AI-assistent ska lyfta vinsten med 400 mkr i år . Dagens industri . 27 February 2024 . sv . 27 February 2024 . 27 February 2024 . https://web.archive.org/web/20240227173729/https://www.di.se/digital/klarnas-vd-ai-assistent-ska-lyfta-vinsten-med-400-mkr-i-ar/ . live .
  48. Web site: Zara . Christopher . Klarna says its OpenAI virtual assistant does the work of 700 humans . Fast Company . 27 February 2024 . 27 February 2024 . 27 February 2024 . https://web.archive.org/web/20240227173819/https://www.fastcompany.com/91039401/klarna-ai-virtual-assistant-does-the-work-of-700-humans-after-layoffs . live .
  49. Web site: Klarna: 'buy now, pay later' system that is seducing millennials . The Guardian . 17 November 2018 . 2 February 2021 . 2 February 2021 . https://web.archive.org/web/20210202035949/https://www.theguardian.com/money/2018/nov/17/klarna-buy-now-pay-later-system-that-is-seducing-millennials . live .
  50. News: Buy now, pay later firms such as Klarna face stricter controls . BBC News . 2 February 2021 . 2 February 2021 . 2 February 2021 . https://web.archive.org/web/20210202072032/https://www.bbc.co.uk/news/business-55895162 . live .
  51. News: Large number of complaints regarding invoices from Klarna . Carolina Neurath . 1 April 2014 . Svenska Dagbladet . 20 November 2021 . 1 May 2015 . https://web.archive.org/web/20150501021419/http://www.svd.se/naringsliv/branscher/handel-och-tjanster/mangder-av-klagomal-mot-klarnas-fakturor_3420828.svd . live .
  52. Niklas Adalberth of Klarna at Arctic15 . 25 February 2013 . ArcticStartup . 31 . 20 November 2021 . 20 November 2021 . https://web.archive.org/web/20211120081846/https://www.youtube.com/watch?v=ZasUQuoCw2Q&t=31m26s . live .
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  54. Web site: Gerichtsurteil: Sind Mahngebühren bei Klarna zulässig?. WZ Waltroper Zeitung. live. 13 February 2022. https://web.archive.org/web/20220213055121/https://www.waltroper-zeitung.de/ueberregionales/gerichtsurteil-sind-mahngebuehren-bei-klarna-zulaessig-w1724005-11000150000/. 13 February 2022. de.
  55. Web site: Dritte konnten Telefonnummern von Klarna-Kunden abrufen. 11 February 2020. . de. 22 February 2022. 22 February 2022. https://web.archive.org/web/20220222173221/https://www.spiegel.de/netzwelt/web/klarna-telefonnummern-von-kunden-waren-fuer-dritte-abrufbar-a-a32cf8d5-04e6-4588-ba4f-46151a714523. live.
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  57. Web site: Klarna mobile app bug let users log into other customers' accounts. BleepingComputer. 1 June 2021. 28 May 2021. https://web.archive.org/web/20210528153025/https://www.bleepingcomputer.com/news/security/klarna-mobile-app-bug-let-users-log-into-other-customers-accounts/. live.
  58. Web site: Klarna comment: statement on app bug. Klarna UK. 27 May 2021. 27 September 2021. 24 September 2021. https://web.archive.org/web/20210924100041/https://www.klarna.com/uk/blog/written-statement-on-app-bug/. live.
  59. Web site: Klarna: 'I got a £30 bill – but I didn't buy anything'. 29 January 2021. . 20 February 2022. 20 February 2022. https://web.archive.org/web/20220220094928/https://www.bbc.com/news/business-55829879. live.
  60. Web site: 'Criminals love buy now, pay later': How fraudsters exploit popular interest-free payment plans. 18 November 2021. CNBC. 22 February 2022. 22 February 2022. https://web.archive.org/web/20220222173225/https://www.cnbc.com/2021/11/18/criminals-exploit-buy-now-pay-later-services-like-klarna-and-afterpay.html. live.
  61. Web site: Maksufirma Klarnan kautta pystyy tilaamaan tavaraa toisen nimiin – MOT:n testi osoittaa, kuinka pahasti ruotsalaisyhtiön tietoturva vuotaa. Yle.fi. 13 July 2021. fi. 20 February 2022. 20 February 2022. https://web.archive.org/web/20220220094928/https://yle.fi/uutiset/3-12014974. live.
  62. Web site: Klarna comment: SDPA's conclusion of their audit. 29 March 2022. 12 May 2022. 19 May 2022. https://web.archive.org/web/20220519082757/https://www.klarna.com/uk/blog/klarna-comment-sdpas-conclusion-of-their-audit/. live.
  63. Web site: Administrative fine against Klarna after investigation. 31 March 2022. 13 May 2022. 25 May 2022. https://web.archive.org/web/20220525185529/https://www.imy.se/en/news/administrative-fine-against-klarna-after-investigation/. live.
  64. Web site: Makortoff . Kalyeena . Klarna criticised for chaotic handling of job cuts . The Guardian . 1 June 2022 . 23 May 2023 . 22 May 2023 . https://web.archive.org/web/20230522233059/https://www.theguardian.com/business/2022/jun/01/klarna-criticised-for-chaotic-handling-of-job-cuts . live .
  65. Web site: Kronö . Simon . Fräcka bluffsajterna tvingar Klarna att krypa till korset . Dagens PS . 26 April 2024 . sv . 8 May 2024 . En majoritet av de vilseledande nätbutikerna har Klarna som betalalternativ. . 8 May 2024 . https://web.archive.org/web/20240508073709/https://www.dagensps.se/bors-finans/fracka-bluffsajterna-tvingar-klarna-att-krypa-till-korset/ . live .
  66. Web site: Kronö . Simon . Så rundar bluffsajterna Klarna – och lurar nya kunder . Dagens PS . 7 May 2024 . sv . 8 May 2024 . Konsumentverket hängde för två veckor sedan ut tio bluffsajter som säger sig sälja varor från egna lager i Sverige, men som egentligen skickar dem från utlandet. En majoritet av de namngivna nätbutikerna har Klarna som betalalternativ. . 8 May 2024 . https://web.archive.org/web/20240508073710/https://www.dagensps.se/foretag/sa-rundar-fracka-bluffsajterna-klarna-och-lurar-nya-kunder/ . live .
  67. Web site: Så lätt kapas din identitet på Klarna . . 8 July 2019 . sv . 8 May 2024 . 8 May 2024 . https://web.archive.org/web/20240508073713/https://www.expressen.se/ekonomi/sa-latt-kapas-din-identitet-pa-klarna/ . live .
  68. Web site: Lars, 87, lurades på faktura genom köp via Klarna . . 15 May 2019 . https://web.archive.org/web/20190515033346/https://www.dn.se/ekonomi/lars-87-lurades-pa-faktura-genom-kop-via-klarna/ . 15 May 2019 . live . sv . 8 May 2024.

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