Finance Monthly FinTech Awards 2020 Edition

Klarna was founded in 2005 in Stockholm, Sweden with the aim of making it easier for people to shop online. In the last 14 years, technology has evolved, excited and transformed the world around us, yet our mission remains as relevant as ever, to make paying as simple, safe and above all, smoooth as possible. Klarna is now one of Europe’s largest banks and is providing payment solutions for 80 million consumers across 190,000 merchants in 17 countries. Klarna offers direct payments, pay after delivery options and instalment plans in a smooth one-click purchase experience that lets consumers pay when and how they prefer to. When the company acquired SOFORT in 2014 the Klarna Group was formed. Klarna is backed by investors such as Sequoia Capital, Bestseller, Permira, Visa and Atomico. Klarna is a part of The Klarna Group. Shop now. Pay later. We make shopping smoooth. With Klarna you can shop at your favourite online stores and pay later, so you can get what you love today. Pay in 3 instalments Buy what you love today, and spread the cost over time in 3 equal instalments. Your chosen card will be charged automatically. No interest. No fees. Ever. Pay up to 30 days later Shop now. Pay later. Get up to 30 days to pay ensuring you love your items before you pay with no late fees or interest. Say goodbye to waiting around for refunds. Keep track in our app Track your purchases, make payments, even snooze a transaction for 10 days, all in the Klarna app. Post purchase perfection In the Klarnaapp you can easilymanage all your purchases and repayments, report a return and get help with any questions. Make payments, report a problem, manage returns. Chat with support 24/7 - we’re always here for you. 6-36 month financing Enter the easiest and most transparent financing plans you’ve ever seen. Spread your costs over flexible payment plans when you apply at checkout and receive an instant approval decision. S W E D E N 19 FINANCE MONHTLY FINTECH AWARDS 2020 WWW.FINANCE-MONTHLY.COM In 2005, Sebastian Siemiatkowski co-founded Klarna in order to provide safe and smooth online payments. He currently serves as its Chief Executive Officer. Over the past decade, he has overseen the company’s rapid growth across Europe and more recently into North America. Klarna is a now fully licensed bank with 60mn consumer and 170,000 merchant user base. Sebastian has received multiple awards for his leadership, including runner up in the 2015 global EY Entrepreneur of the Year award, Leader of the Year by Adecco, and European Entrepreneur of the Year Award by TechTour. He holds a master’s degree from the Stockholm School of Economics. Degree of Master of Science, M.Sc. (Economics and Business), Stockholm School of Economics, 2007 Board member since 2005 and CEO since 2010 Board assignments: Board member and CEO of Klarna Holding AB Board chair or board member of other Group companies Board member in a number of small private holding companies without any operational activities. Other assignments: Chairman of the Advisory Board at SSE Business Lab Sebastian Siemiatkowski Contact Details About Klarna 80M Total end-customers 190K Total number of merchants 1M Number of transactions per day 2.5K Number of employees 10% E-commerce Market Share Northern Europe

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