Klarna

Billie GmbH, based in Berlin, Germany, is a fintech startup founded in 2016 that specializes in pre-financing invoices and online factoring services for small and medium-sized enterprises (SMEs). The company aims to improve working capital management through a fully automated invoice financing solution, addressing the order-to-cash challenges faced by SMEs. Billie's platform facilitates expedited B2B invoicing and payments by utilizing big data analytics and digital processes, allowing for instant financing of purchases directly at the online point-of-sale. In addition to its invoice factoring services, Billie offers a pay-after-delivery product to help SMEs secure improved payment terms, enabling them to manage outgoing invoices efficiently without hidden fees or excessive paperwork.

Violet.io, Inc. designs and develops an application programming (API) interface for e-commerce sector. Its platform Commerce Graph provides products API, carts API and orders API. Violet connects merchants looking for new distribution channels with the developers who are building them and integrates with other platforms. The company was founded in 2017 and is based in Seattle, Washington.

APPRL Fashion AB operates a social commerce platform that connects style influencers, digital publishers, and e-commerce companies. Founded in 2011 and based in Stockholm, the company offers a SaaS solution designed for performance-based influencer marketing. Its platform allows influencers to create shoppable content, enabling them to monetize their influence by sharing products with their audiences. APPRL provides tools to manage, track, and optimize influencer marketing efforts using traffic and sales data, facilitating collaboration between content creators and retailers. With a presence in Europe, the United States, and Asia, APPRL aims to streamline partnerships between e-commerce brands and influencers through innovative technology and user-friendly design.

Stocard GmbH is a technology company that specializes in developing rewards applications for mobile devices, including iPhone and Android. Founded in 2011 and headquartered in Mannheim, Germany, with additional offices in Sydney, Rome, Amsterdam, and Paris, Stocard offers a mobile application that allows users to store and manage their reward cards in one place. The Stocard app also enables users to browse coupons and catalogs from their preferred retailers, effectively serving as a mobile wallet. With a mission to enhance the shopping experience for over 50 million users, Stocard aims to simplify how consumers earn and redeem rewards at their favorite stores. The platform has facilitated several billion transactions at the point of sale across various international markets, including North America and Australia.

A pioneer in conversational commerce, HERO® is the messaging app for stores, powering Nike, adidas, Levi’s, Harvey Nichols, rag & bone and more. Our technology makes it effortless to text, chat and video call with customers; growing ecommerce sales and converting URL visitors into IRL customers. Find out more at usehero.com

Developer of artificial intelligence engine for online fashion and apparel shoppers. The company scans, ingests, categorizes fashion styles, content and looks in real-time from social influencers, bloggers, stylists, and creates shoppable content.

NUJI Limited brings various fashion and lifestyle products together from online boutiques and department stores across the Web. It offers men’s and women’s clothing, shoes, bags, accessories, and jewelry products, as well as beauty products for women and grooming products for men. NUJI Limited was formerly known as Pokeup Limited and changed its name to NUJI Limited in October 2010. The company was incorporated in 2010 and is based in London, United Kingdom. As of April 29, 2020, NUJI Limited operates as a subsidiary of Klarna Bank AB (publ).

Moneymour is a financial technology company based in Milan, Italy, founded in 2018. It specializes in providing instant loans for online purchases, enabling customers to buy now and pay later in manageable installments. Moneymour enhances traditional credit assessment methods by connecting to customers' bank and social accounts, allowing its algorithm to make informed credit decisions within seconds. This approach helps individuals demonstrate their creditworthiness even if they lack a traditional credit history, streamlining the borrowing process and improving accessibility. As of May 2020, Moneymour operates as a subsidiary of Klarna Bank AB, further positioning itself as an innovative player in the evolving landscape of online payment solutions.

Spring is transforming retail marketing by connecting digital channels to in-store revenue for the first time.

Borgo offers mortgages with some of the market's best interest rates. Borgos mortgages will be offered digitally and financed via a Swedish mortgage fund. Borgo conducts operations with permits according to the Act (2016: 1024) on activities with housing loans and is supervised by the Swedish Financial Supervisory Authority.

Close Brothers Retail Finance is a provider of omnichannel retail finance, with active merchants such as Samsung Electronics, Mothercare, GAME, Jessops, Ebuyer, Emma Mattress, Cotswold Outdoor and Victorian Plumbing. The company allows shoppers to pay in simple, flexible monthly payments, thus helping merchants convert more browsers into buyers, uplifting sales and offering superior customer experiences.

ShopCo Technologies Corp. is a U.S.-based company, founded in 2014 by Jay Habib, that specializes in enhancing the online shopping experience through its innovative browser extension. This extension serves as a universal shopping cart, allowing users to gather items from various online stores and complete purchases seamlessly with a one-click buy button powered by artificial intelligence. ShopCo enables users to manage their shopping across multiple retailers in one convenient location, facilitating easier browsing and checkout processes. The company prioritizes security by implementing encryption methods and two-step verification to protect user data. Headquartered in San Francisco, California, ShopCo Technologies operates as a subsidiary of Klarna Bank AB.

BillPay GmbH, based in Berlin, Germany, is a prominent online payment provider established in 2009 by Dr. Nelson Holzner. Initially a small team, the company has expanded to over 120 employees and services the growing international e-commerce market, particularly in Germany, Austria, Switzerland, and the Netherlands. BillPay offers various payment options to online retailers, including invoice, direct debit, and installment plans, which facilitate collections and chargeback processes. With over 4,000 online shops and millions of customers utilizing its payment methods, BillPay has established itself as a trusted platform in the e-commerce sector. Since September 2017, it has operated as a subsidiary of Klarna Bank AB, further enhancing its capabilities in the digital payment landscape.

Cookies Labs GmbH is a Berlin-based company that specializes in developing a smartphone application designed for money transfers. Founded in 2015, the company aims to simplify peer-to-peer (P2P) payments, positioning itself as a convenient alternative to traditional banking methods. The Cookies app allows users to send and receive money quickly and effortlessly, similar to messaging with friends, thereby alleviating the awkwardness often associated with settling debts. With a focus on fast and user-friendly transactions, Cookies Labs seeks to establish itself as a leading player in the European mobile payment landscape.

Wrapp is a rewards application that focuses on enhancing customer loyalty by providing personalized offers and cashback rewards based on users' shopping behaviors. By connecting to users' payment cards, Wrapp analyzes transaction data to deliver relevant rewards from brands that align with consumers' interests, eliminating the need for irrelevant advertisements and outdated membership programs. This approach empowers consumers to gain meaningful rewards while enabling retailers to target their marketing efforts more effectively. Initially, the company operated as a platform for sending digital gift cards, but it has since evolved to prioritize a more personalized and data-driven rewards experience.

Wrapp is a rewards application that focuses on enhancing customer loyalty by providing personalized offers and cashback rewards based on users' shopping behaviors. By connecting to users' payment cards, Wrapp analyzes transaction data to deliver relevant rewards from brands that align with consumers' interests, eliminating the need for irrelevant advertisements and outdated membership programs. This approach empowers consumers to gain meaningful rewards while enabling retailers to target their marketing efforts more effectively. Initially, the company operated as a platform for sending digital gift cards, but it has since evolved to prioritize a more personalized and data-driven rewards experience.

Sofort GmbH is a provider of online payment solutions that caters to both buyers and merchants across Europe. The company specializes in facilitating financial transactions, primarily in Germany, by offering secure and efficient payment services. In addition to its core payment solutions, Sofort also delivers financial and e-commerce services to enhance the overall transaction experience for its customers. Through its innovative approach, Sofort aims to streamline the online payment process, making it simpler and more accessible for users in the digital marketplace.