Klarna

Laybuy is a technology-focused payments company that aims to enhance consumer interactions with businesses through its innovative payment platform. The company offers a deferred payment solution that allows customers to split the cost of their purchases, both online and in-store, into six manageable weekly payments, with the initial payment made at the point of sale. This no-interest and flexible payment option makes it more accessible for consumers to afford desired products while providing merchants with an effective way to increase sales.

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, Inc. is a trip planning application that allows users to create personalized itineraries featuring day-by-day plans of attractions at various destinations. Founded in 2012 and headquartered in East Palo Alto, California, the platform curates attractions primarily in the United States and Europe. It utilizes a research bot and planning engine to generate detailed sightseeing plans, enabling users to customize their trips, make bookings, and collaborate with fellow travelers. Inspirock aims to simplify the vacation planning process, making it efficient and enjoyable for users.

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 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.

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 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 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 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 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.