You got a challenge, we have the solution.
Our Kosma Open Banking and Data Platform helps you find the best solution for your business. Whether you are a startup or an enterprise, we cover the most common challenges the majority of industries face.
Solutions by industry.
Our Kosma Open Banking and Data Platform helps you find the best solution for your business. Discover how can Klarna Kosma power your game-changing ideas.
Banking
Quickly deliver an engaging digital banking solution with a single API.
Ecommerce
Open banking payment initiation gives your customers more choice at a lower cost.
Gaming
Whisk players through the signup process, getting them playing in no time, and offer them in-game payments.
InsurTech
Improve efficiency, cut costs and deliver tailored solutions with direct banking payments and our identification solution.
Payment Service Providers
Let users send and receive direct bank payments from within your app or website.
WealthTech
Onboard customers and verify their identity quickly, and enable instant, low-cost money transfers.
Used by many.
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.