Harness the power of Open Banking.

Quickly deliver an engaging digital banking solution with a single API.

The challenge.

Seamlessly connecting multiple bank accounts and picking out trends and patterns in transaction data.


In a multibanking world, you want to own the primary relationship.


Tailoring advice can be difficult without a complete financial overview.


Fragmented banking relationships can make it harder to manage risk.

How Kosma can help.

Do it all.

Easily onboard multiple bank and investment accounts into a single app.


Boost user engagement by providing powerful insights and tailored advice.

Make better decisions.

Use Open Banking data to inform lending decisions and manage risk.

Discover the products.

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Account Verification.

Get it right the first time, every time.

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Bank Transfer.

Initiate bank transfers online.

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Turn transaction data into meaningful analytics.

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Connect your business to multiple third-party bank accounts around the world.

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Risk Management.

Use transaction history to understand risk.

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.


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.