Understand your customer’s finances and notice potential risk elements based on data insights.
Transaction history can provide more up-to-date information than traditional credit reports.
Limit drop-outs by quickly assessing credit risk and providing an instant decision.
Flag certain behaviors or indicators to match your risk appetite.
Try our smoooth demo.
Try our Account Information Service (AIS) and Payment Initiation Service (PIS) flows. Our live open banking demo will let you login with your bank account and retrieve information from your account, such as the IBAN, account number, balances, and recent transaction history. You’ll also be able to get a taste of our payment initiation service flow by donating a small amount to a charity of your choice.
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.
Why Klarna Kosma?
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.
Our front-end design and user experience give you superior conversion.
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.
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.
Get in touch.
Have questions? Want to talk? We got you. Our open banking experts are at the ready.