Klarna’s payment initiation service method is optimized for new and returning bank transfer users, allowing them to benefit from Klarna Kosma's open banking capability to leverage so-called PIS-only flows.

Peaks uses Klarna Kosma’s AIS and PIS open banking solutions to make investing accessible for everyone in Germany and The Netherlands. Every time a user makes a purchase the Peaks app automatically rounds up the amount to the next Euro, investing the difference in a sustainable portfolio of ETFs.

Lysa is one of the leading advisors in the Nordics. With new technology and Klarna Kosma’s AIS and PIS open banking solutions, Lysa offers smart savings accounts that automatically invest their customer's money with high diversification and ultra-low fees.

Krea helps companies find the best possible loan. Integrated with Klarna Kosma’s Open Banking and Data Platform, Krea customers are able to connect their bank data directly to their loan applications.

Kameo is Scandinavia’s leading real estate investment platform. Through its platform, Kameo provides credit to small and medium-sized businesses and real estate projects, financed by thousands of investors. With Klarna Kosma's open banking solution, investors can pay their investments directly from their bank accounts.

Open banking enables Friday Finance to aggregate its customers’ bank accounts in one place, providing a real-time overview of their business operations that used to be reserved for large corporations. By marrying this overview with features like automated pre-accounting, cash flow and forecasting, the ability to make payments, and cash advance, Friday Finance has built a hub where all financial decisions of SMBs are made.