The document discusses making online shopping safer and simpler for customers and merchants. It outlines Klarna's solution which allows customers to receive purchases before paying, with payment required within 14 days. This increases conversion rates for merchants by 20% while removing registration requirements and fraud risks for customers. The timeline shows Klarna launching in 2005 and becoming profitable that first year, now processing over 1 billion euros in annual payments volume.

1. Safe and Simple payments online
Niklas Adalberth – Founder and Deputy CEO

2. Shopping today – Simple and Safe
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3. Shopping online – not the same experience
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4. Selling online is hard for merchants
Customer
Issuing bank
Payment Stack
Credit scoring
E-wallets
Tech Standard brand
Payment gateways
Fraud prevention
Acquirer
Merchant
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5. How do customers want to pay online?
Example: German Market
Source: CINT / Opinionhub 2012
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6. The Klarna Solution – separate buying and paying
1. No registration: only enter name, address and date-of-birth
2. Get the goods before you
pay
Why Is Klarna good for
merchants?
• 20% increase in converstion
rates
• Guarateed payment 3. Simple payment 14 days
• No administration later
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7. The Early Years
5 Days va
cation firs
years t2
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8. Company Timeline
Incorporated Feb 2005, launch beta May 2005
Profitable since Q4 2005
Total Payments Volume 2011: > EUR 1 bn
Revenue (MEUR): 2011: 84, 2012E: 170
Quarterly Revenues (MEUR) Analyz'd
20 acquired
18 Klarna
Save
16 launched
Israeli
14 office
Norway, Germany
opened
12 and the
Financing Netherlands
10 product 700
launched employe
8 CDON onboard Adlibris es
First 1 000 onboard
6 100 000
transaction merchants Finland and
consumers
offering Denmark Mobile
4 have used
Klarna product
Klarna
2 launched
0 Company
2005 founded 2006 2007 2008 2009 2010 2011
£’000
y/e
2009
2010
2011
Revenue
18 509 33 772 65 816
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Opera3ng
Profit
3 561 3 096 5 535 8

9. The Future
Buying should be like this:
Niklas@klarna.com
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