Klarna

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 company dedicated to addressing the issue of excess atmospheric carbon dioxide through innovative technology that mimics photosynthesis. By developing methods to effectively remove CO2 from the atmosphere, InterEarth aims to create positive secondary environmental impacts while also enhancing agricultural productivity on marginal low rainfall farmland. This dual approach allows farmers and businesses to confront global environmental challenges, ultimately contributing to a more sustainable future.

Billie GmbH, founded in 2016 and based in Berlin, Germany, specializes in providing innovative financial solutions for small and medium-sized enterprises (SMEs). The company offers pre-financing of invoices and online factoring services, addressing the order-to-cash challenges faced by businesses. Billie’s platform enables SMEs to manage their working capital more effectively through fully automated invoice financing. Additionally, the company provides a pay-after-delivery product for B2B online merchants, allowing them to secure better payment terms. By leveraging big data analytics and digital processes, Billie facilitates instant financing at the point of sale, helping SMEs streamline their invoicing and payment processes while avoiding hidden fees and excessive paperwork.

Inspirock is an application that provides a detailed day-by-day plan of attractions at various destinations on the user’s personalized itineraries. It builds itinerary from curated attractions in various destinations across the United States and Europe. It was founded in 2012 and is headquartered in East Palo Alto, California.

Violet is a Commerce API Platform enabling any app to integrate universal checkout in weeks instead of years. Through its headless API, any app maintains control of their own checkout, while ensuring product and order data is always in sync and seamlessly integrated with the original Merchant’s system. Violet is creating a more open, distributed, and collaborative version of e-commerce, where shoppers can buy products directly inside social, livestream, sms, voice, AR, VR, or any other experience developers and app companies decide to build.

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 streamline collaborations between e-commerce brands and content creators through its advanced platform. The company provides a suite of tools that allows digital publishers, influencers, and online retailers to manage, track, and optimize their marketing efforts effectively. By leveraging AI and user-centric design, Apprl enhances the connection between influencers and top brands, enabling them to work together seamlessly. The platform serves a diverse range of markets, operating actively in Europe, the United States, and Asia.

Stocard GmbH is a mobile technology company that specializes in developing rewards applications for smartphones. Founded in 2011 and headquartered in Mannheim, Germany, with additional offices in cities such as Sydney, Rome, Amsterdam, and Paris, Stocard offers an app that allows users to store and manage their loyalty cards, access coupons, and browse catalogs from various retailers. Catering to over 50 million users across North America, Australia, Germany, and internationally, Stocard aims to simplify the shopping experience by turning smartphones into digital wallets. The platform not only facilitates the collection of loyalty points but also provides personalized offers from retailers and enables users to manage their transactions in real time, contributing to several billion point-of-sale transactions to date.

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 an online shopping platform based in London, UK, that consolidates fashion and lifestyle products from over 8,000 department stores, brands, and boutiques. Founded in 2010, the company offers a wide range of items, including clothing, shoes, bags, accessories, jewelry, and beauty products for women, as well as grooming products for men. Nuji emphasizes curation, using customer preferences to enhance product recommendations through its algorithms and editorial input. The platform aims to simplify the online shopping experience by providing a comprehensive inventory in one place, addressing the fragmentation often found in online retail. Since launching in 2011, Nuji has achieved profitability and reported annual gross sales of $15 million. The company operates as a subsidiary of Klarna Bank AB.

Moneymour is a financial technology company based in Milan, Italy, established in 2018. It specializes in providing instant loans for online purchases, enabling customers to buy now and pay later in manageable installments. Moneymour enhances the traditional credit assessment process, which typically relies on credit history, by integrating additional data from customers' bank accounts and social media profiles. This innovative approach allows the company's algorithm to make quicker and more informed credit decisions, often within seconds. By doing so, Moneymour helps individuals without an extensive credit history demonstrate their creditworthiness, offering a straightforward and transparent user experience. Since May 2020, Moneymour has operated 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 provider of mortgage services aimed at individuals and companies, offering competitive interest rates for mortgages and savings accounts. The company operates digitally, facilitating mortgage financing through a Swedish mortgage fund. Borgo is authorized under the Act on activities with housing loans and is regulated by the Swedish Financial Supervisory Authority, ensuring compliance with applicable financial regulations. By utilizing credit intermediaries, Borgo aims to deliver cost-effective mortgage solutions to its clients.

Close Brothers Retail Finance, founded in 2014 and based in London, is a provider of point of sale finance solutions aimed at enhancing the shopping experience for customers and boosting sales for retailers. As a subsidiary of Klarna Bank AB, the company offers flexible monthly payment options that enable consumers to make purchases more easily. Close Brothers Retail Finance partners with a range of well-known merchants, including Samsung Electronics, Mothercare, and GAME, to facilitate omnichannel retail finance. By providing a comprehensive suite of financial products and dedicated expertise in retailer relationship management and marketing, the company helps retailers convert potential buyers into actual customers, fostering growth and improving overall customer satisfaction.

Shop uses Artificial Intelligence to empower online shopping experience for customers. It is a universal shopping cart browser extension that keeps all the items of its users across the web in one spot. Stores can be registered online and without any hassle. It helps its users browse through a wide range of online stores and checkout from one spot. The company gives ability to connect to all its users existing retailer accounts. It also secures data with encryption methods and two-step verifications. Shop is a U.S.-based company that was founded in 2014 by Jay Habib.

BillPay GmbH is a prominent online payment provider based in Berlin, Germany, specializing in offering payment options for online retailers. Founded in 2009 by Dr. Nelson Holzner, the company has expanded significantly, growing from a small team to over 120 employees. BillPay operates in Germany, Austria, Switzerland, and the Netherlands, serving over 4,000 online shops and millions of customers who utilize its popular payment methods. In 2017, BillPay became a subsidiary of Klarna Bank AB, further solidifying its presence in the international e-commerce market.

Cookies wants to become the Venmo of Europe. Forget about complicated bank transfers. Save time and energy—send and receive money from your phone like you chat with your friends. Settling debts with friends can be awkward and unpleasant. Cookies will do it for you, letting you off the hook!

Wrapp is a service that enhances customer loyalty by offering a platform for rewarding purchases through a personalized approach. By connecting to users' payment cards, Wrapp analyzes transaction data to understand individual buying behaviors, ensuring that users receive rewards from brands that align with their interests. The platform focuses on cashback returns, providing consumers with meaningful rewards that they actually value. Additionally, Wrapp incorporates a social gifting feature, allowing users to celebrate friends by sharing rewards. This combination of personalized rewards and social engagement positions Wrapp as a modern alternative to traditional advertising and membership models.

Wrapp is a service that enhances customer loyalty by offering a platform for rewarding purchases through a personalized approach. By connecting to users' payment cards, Wrapp analyzes transaction data to understand individual buying behaviors, ensuring that users receive rewards from brands that align with their interests. The platform focuses on cashback returns, providing consumers with meaningful rewards that they actually value. Additionally, Wrapp incorporates a social gifting feature, allowing users to celebrate friends by sharing rewards. This combination of personalized rewards and social engagement positions Wrapp as a modern alternative to traditional advertising and membership models.

SOFORT GmbH provides online payment solutions for buyers and merchants in Europe.