Klarna

Laybuy is a payments technology company that enables consumers to purchase goods now and pay for them in six interest-free, weekly installments. This service is available both online and in-store, with the first payment made at the time of purchase. Laybuy's platform offers merchants an alternative payment method to increase sales and customer loyalty.

Embat is a developer of a cloud-based financial platform that aims to democratize access to essential financial data for small and medium-sized businesses. The company's software consolidates all financial information, enabling users to make treasury projections, automate financial reporting, and access vital financial insights instantaneously. This functionality empowers financial teams, managers, entrepreneurs, and shareholders to enhance their control over treasury management and financial planning, ultimately facilitating better decision-making and strategic management within their organizations.

InterEarth is a developer of innovative photosynthesis-based technology aimed at removing excess atmospheric carbon dioxide. The company focuses on creating meaningful solutions that not only reduce carbon levels but also provide positive secondary environmental impacts. By enhancing carbon removal capabilities, InterEarth addresses the challenges faced by agricultural producers, particularly in marginal low rainfall areas. This approach not only contributes to mitigating climate change but also supports increased agricultural production, enabling farmers and businesses to confront global environmental challenges effectively.

Billie GmbH, founded in 2016 and based in Berlin, Germany, is a fintech startup focused on reinventing working capital management for small and medium-sized enterprises (SMEs). The company offers innovative lending products, including pre-financing of invoices and online factoring services. Billie's platform leverages big data analytics and digitalized processes to provide instant financing at the point-of-sale and streamline invoice factoring, helping SMEs manage their outgoing invoices efficiently without hidden fees or excessive paperwork. Additionally, Billie assists B2B online merchants in securing better payment terms through a pay-after-delivery product.

Inspirock Inc., established in 2012 and based in East Palo Alto, California, specializes in trip planning applications. Its flagship product, Inspirock, generates personalized day-by-day itineraries for users, curating attractions across various destinations in the United States and Europe. The platform employs a research bot and planning engine to create detailed, customizable sightseeing plans worldwide, facilitating collaboration among travelers.

Violet.io, Inc. is a technology company based in Seattle, Washington, that specializes in developing application programming interface (API) solutions for the e-commerce sector. Founded in 2017, the company offers a platform called Commerce Graph, which includes products, carts, and orders APIs. This platform facilitates a bi-directional connection between various applications and merchants' stores, allowing for real-time creation of product pages, shopping carts, and orders. By integrating with popular e-commerce platforms, Violet aims to improve customer engagement and loyalty, enabling merchants to connect with new distribution channels and enhance the shopping experience for consumers.

Apprl is a Stockholm-based SaaS company specializing in performance-based influencer marketing tailored for e-commerce businesses. With additional offices in London and São Paulo, Apprl aims to facilitate seamless collaboration between e-commerce brands and content creators through an innovative platform that leverages AI, scalable technology, and user-centric design. The platform enables digital publishers, bloggers, and influencers to efficiently manage, track, and optimize their marketing efforts by connecting their content with top retailers. Operating across Europe, the U.S., and Asia, Apprl provides a range of easy-to-use tools that enhance social commerce by allowing users to create personalized online stores and drive sales through influencer partnerships.

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 several European cities and Australia, Stocard offers the StocardApp, which allows users to store and manage their loyalty cards, access coupons, and browse catalogs from various retailers. The app functions as a mobile wallet, streamlining the shopping experience for over 50 million users worldwide by facilitating several billion transactions at the point of sale. Stocard aims to enhance user engagement and simplify rewards collection while also providing access to financial services on its platform.

HERO, a social shopping platform designed to provide consumers with inspiration, advice, and immediately shoppable content produced directly from retailers' physical stores.

Toplooks.ai is an Internet company.

NUJI Limited is a UK-based e-commerce platform established in 2010, operating as a subsidiary of Klarna Bank AB (publ) since 2020. It aggregates millions of fashion and lifestyle products from over 8,000 online boutiques and department stores worldwide, offering a curated selection for men's and women's clothing, shoes, accessories, beauty products, and more. NUJI aims to simplify online shopping by providing a single destination for discovery and purchase, with features such as product alerts to enhance user experience. The company achieved profitability and grew annual gross sales to $15 million following its launch in 2011, backed by prominent European investors.

Moneymour is a financial technology company based in Milan, Italy, founded in 2018. It specializes in providing instant loans for online purchases, enabling consumers to buy now and pay later in manageable installments. Unlike traditional credit systems that rely heavily on credit history, Moneymour enhances the credit decision process by integrating data from customers' bank accounts and social media profiles. This innovative approach allows for quicker, more informed lending decisions, often within seconds, which can benefit those without an established credit history. The user experience is designed to be simple and transparent, making it easier for customers to demonstrate their creditworthiness. Moneymour operates as a subsidiary of Klarna Bank AB.

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

Borgo is a mortgage service provider that caters to both individuals and companies, offering competitive interest rates on its mortgage products. The company's offerings are available digitally and are supported by a Swedish mortgage fund. Borgo also provides savings accounts and collaborates with credit intermediaries to ensure low-cost financing solutions. Operating under the regulations of the Act on activities with housing loans, Borgo is supervised by the Swedish Financial Supervisory Authority, ensuring compliance and consumer protection in its financial services.

Close Brothers Retail Finance is a London-based company that specializes in providing point of sale finance solutions to retailers and their customers. Established in 2014, the company operates as a subsidiary of Klarna Bank AB as of January 2019. It offers omnichannel retail finance services that enable consumers to make purchases through simple and flexible monthly payments. This approach aids retailers in converting potential customers into buyers, thereby increasing sales and enhancing the overall shopping experience. Close Brothers Retail Finance partners with a variety of well-known merchants, including Samsung Electronics, Mothercare, and GAME, and provides a comprehensive suite of financial options along with dedicated support in retailer relationship management, marketing, and analytics.

ShopCo Technologies Corp. is a technology company based in San Francisco, California, that specializes in enhancing the online shopping experience through its innovative browser extension. The extension features a one-click buy button powered by artificial intelligence, which streamlines the purchasing process by automatically completing transactions on various websites. Founded in 2014 by Jay Habib, ShopCo offers a universal shopping cart that consolidates items from multiple online retailers into a single platform, enabling users to browse and check out seamlessly from one location. Additionally, the company prioritizes user security by employing encryption methods and two-step verification to protect sensitive data. ShopCo Technologies operates as a subsidiary of Klarna Bank AB, further integrating its services within the e-commerce ecosystem.

BillPay GmbH is a prominent online payment provider based in Berlin, Germany, specializing in payment solutions for online retailers. Founded in 2009 by Dr. Nelson Holzner, the company has expanded significantly from its initial three-person team to over 120 employees. BillPay operates in a growing international e-commerce market, offering its services in Germany, Austria, Switzerland, and the Netherlands. The company is trusted by more than 4,000 online shops and millions of customers who utilize its popular payment methods. Since becoming a subsidiary of Klarna Bank AB, BillPay has strengthened its position in the competitive landscape of digital payments.

Cookies Labs GmbH, founded in 2015 and based in Berlin, Germany, specializes in a smartphone application designed for peer-to-peer (P2P) money transfers. The Cookies app simplifies the process of sending and receiving money, allowing users to settle debts effortlessly, much like chatting with friends. It eliminates the complexities associated with traditional bank transfers, providing a fast and convenient alternative. Users can make payments or request money with a single tap, manage group payments, and check account balances, all without being tied to specific banking institutions. Cookies aims to establish itself as a leading choice for P2P payments in Europe.

Wrapp is a company that redefines customer loyalty and rewards through a personalized approach. By connecting to users' payment cards, Wrapp analyzes their transaction data to understand individual buying behaviors. This enables the company to deliver relevant rewards from brands that align with users' interests, effectively enhancing the customer experience. Wrapp focuses on cashback returns, ensuring that the rewards provided are meaningful and practical for consumers. Additionally, Wrapp offers a social gifting service that allows users to celebrate their friends, further emphasizing its commitment to fostering meaningful connections and experiences. Through these innovative services, Wrapp aims to transform the landscape of consumer rewards and marketing.

Wrapp is a company that redefines customer loyalty and rewards through a personalized approach. By connecting to users' payment cards, Wrapp analyzes their transaction data to understand individual buying behaviors. This enables the company to deliver relevant rewards from brands that align with users' interests, effectively enhancing the customer experience. Wrapp focuses on cashback returns, ensuring that the rewards provided are meaningful and practical for consumers. Additionally, Wrapp offers a social gifting service that allows users to celebrate their friends, further emphasizing its commitment to fostering meaningful connections and experiences. Through these innovative services, Wrapp aims to transform the landscape of consumer rewards and marketing.

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.