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Klarna Group plc, commonly referred to as Klarna, is a fintech company and digital bank. Founded in Sweden in 2005, it is domiciled in London and listed on the New York Stock Exchange. Klarna provides online financial services to 114 million consumers and partners with 850,000 merchants globally. Initially offering buy now, pay later services, Klarna has expanded its service offering to include interest-free payments, digital banking services and retail and marketing services for the e-commerce industry. As of 2025, it has four million debit and credit card clients.