About us klarna kosma
About us klarna kosma

Hi! We’re Klarna Kosma.

Actually, we’ve already met. We power many of the things you love most about Klarna.

Klarna Kosma makes game-changing ideas powerfully real.

Klarna Kosma is Klarna’s dedicated open banking platform for banks, fintechs, and innovative merchants. Klarna Kosma’s goal is simple: To make finance more accessible, fair, and simple for everyone, and to improve connectivity between consumers and exciting, innovative service providers who are building the next generation of disruptive financial services products.

Klarna Kosma achieves this by making it possible for companies to leverage our connectivity to build new products that benefit the end user. Our mature open banking platform is offering essential connectivity to more than 15,000 banking partners across the globe through a cutting-edge open banking API.


Years’ worth of experience.


Countries where we operate.


Banking partners in our global network.


Annual transactions processed.

Klarna + Kosma = better open banking

Klarna has more than 17 years’ worth of experience in the open banking space. With the introduction of Kosma, we’re using this expertise and existing brand value to forge a whole new suite of leading open banking products and solutions.

Although Kosma might be a new name, the engine powering it is anything but—so why not put it to work driving your future?

Our history.

Where it all started

Where it all started.

Klarna has been connecting banks since 2005, when three young Swedish entrepreneurs came up with a brilliant idea and a not-so-brilliant name — Kreditor. Good thing it rebranded as Klarna in 2009.


SOFORT so good.

SOFORT becomes the leading direct bank transfer provider in the DACH region in 2010, helping customers in Austria, Germany and Switzerland, Belgium and The Netherlands ‘pay now’ using their online banking details, leading the way to open banking and PSD2.

Buy now, pay now.

Much more than buy now, pay later.

In 2014 Klarna acquires SOFORT to create the smooothest online payments group.

A new era in Open Banking.

A new era in open banking.

The launch of the Klarna Kosma platform in 2022 further strengthens Klarna's footprint in the open banking space.

Our offices.

We’re a global company with a local presence in the biggest regions we’re servicing.

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