iBilly's intuitive app uses open banking to give its users a data-driven, one-stop overview of their finances. Yet connecting to thousands of banks across Europe one integration at a time was a major challenge for this lean startup. That's why iBilly turned to Klarna Kosma. The powerful Kosma API connects iBilly users to over 15,000 financial institutions. As a result, iBilly's conversion and monthly user rates are soaring, and the company has more time to devote to its core business of offering its customers the optimal finance management experience.