Cut costs and get the best UX to identify your customers. Learn how to rely on Klarna for AML-compliant identifications.

Want to know more about our options?

Get to know Kosma ID.

Secure and compliant verification that’s cost-effective for you and simple for your users.

Kosma ID provides a fast, user-friendly and complete user experience. With verification powered by open banking, you’re protected from identity fraud by multiple layers of security.

Get income check, verification, top up and more, all through our single API.

Cut costs, boost conversion and simplify onboarding flows with Kosma ID. Say goodbye to:

Slow identifications.
Users dropping out.
Unverified customers.

And power up your digital identification processes.

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.

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.

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Get in touch.

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