Our products
Our products.

Open Banking at your fingertips.

We know what you are looking for. And that’s why our Kosma Open Banking and Data Platform has been built in a way that can cover all your needs. With a wide range of products, we want to give you the tools you need to do what you do best: build best-in-class financial products your customers will love.

Our products.

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Account verification.

Automatically check that bank account numbers are real and belong to the user during the signup process.

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Bank Transfer.

Initiate banking payments through a fully customizable white label solution under your bank license.

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Business Transactions Management.

Stay on top of everything. Simplify how you manage your business’s finances.

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Access actionable insights based on transaction history using machine learning.

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Cut costs and get the best UX to identify your customers. Connect to Kosma Identify and rely on Klarna for your AML conform identifications all over Europe.

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Kosma ID.

Cut costs, boost conversion and simplify onboarding flow: Kosma ID provides a fast, user-friendly and complete onboarding flow.

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Connect your business to different bank accounts from multiple banks and access them in a single place.

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Risk management.

Understand your customer’s finances and notice potential risk elements based on data insights.


Check the name, age, address, accounts and/or other data of your customer by receiving verified user data and identity attributes via our Kosma platform.

Widest coverage. Best in class conversion rates.

Available all around Europe.


markets live. We’ve got you covered with financial institution connections in 27 countries around the world giving you access to at least 95% of bank accounts.


financial institutions connected and growing! Benefit from our extensive coverage and best-in-class conversion rates.


bank coverage in each market we cover.

Why Klarna Kosma?

Unbeatable reach.

Our financial institution coverage is one of the biggest in the market with the highest conversion rate.

We have done this before.

We’ve been connecting financial institutions since 2005, long before PSD2.

A proven and stable platform.

With more than 1 billion transactions on our platform, nobody else comes close.

Peerless UX.

Our front-end design and user experience give you superior conversion.

Flexible branding.

Already got your bank license? With our white-label solution, you can build on top of our API and customize it to fit your brand.

Easy peasy.

Simple integration, maintenance and documentation in a full-specced development and testing environment.

Best-in-class conversion rates.

We only offer you the best, that's why our solutions offer you top-notch conversion rates.

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Get started in our playground environment.

Start building in no time. Find everything you need to get started in our documentation and start developing right away by signing in to our Partner Portal.

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Get in touch.

Have questions? Want to talk? We got you. Our open banking experts are at the ready.