Risk Management.
Understand your customer’s finances and notice potential risk elements based on data insights.
Benefits.
Improved insight.
Transaction history can provide more up-to-date information than traditional credit reports.
Quick decisions.
Limit drop-outs by quickly assessing credit risk and providing an instant decision.
Tailored risk.
Flag certain behaviors or indicators to match your risk appetite.
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.
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.
27
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.
+15K
financial institutions connected and growing! Benefit from our extensive coverage and best-in-class conversion rates.
>95%
bank coverage in each market we cover.