Klarna
Sweden · www.klarna.com · 14 vendors
Klarna is a global digital bank and flexible payments provider that offers online financial services, including "buy now, pay later" options, interest-free payments, and digital banking services. It aims to simplify online transactions and empower consumers with flexible payment solutions and financial tools. The company also provides a shopping app for managing spending, payments, and rewards.
Resilience scores
- Digital Sovereignty: 21
- Digital Resilience: 9
Technology vendors
- Demandware — Technology — United States
- Google LLC — Technology — United States
- Shopify Inc. — Other — Canada
- and 11 more
Services catalogue
3 services in catalogue across 2 categories; runs on 14 sub-vendors.
- Buy Now
- Klarna
- Payment processing
Insights
Last updated 2026-09-13 · revision 1
14 direct vendors, 180 subvendors
Direct vendors by controlling owner country (sample)
- Australia: 1
- Finland: 1
- France: 1
Subvendors by controlling owner country (sample)
- Poland: 1
- UK: 1
- Unknown: 1
Migration Readiness: 9/10
Assessed by AI based on technology stack characteristics (cloud-native vs legacy, containerization, microservices), regulatory environment, data residency requirements, financial stability, and vendor lock-in risks. The score ranges from 0-10, where higher scores indicate better readiness for technology migration.
Klarna exhibits high migration readiness due to its modern, cloud-native technology stack. The extensive use of Amazon Web Services (AWS), Kubernetes for container orchestration, Docker, and a microservices architecture indicates a highly portable and flexible infrastructure. Tools like Terraform for infrastructure as code and GitHub Actions for CI/CD further streamline deployment and management, which are crucial for efficient migration. The presence of an internal developer portal (Backstage) suggests well-defined internal processes and tooling. However, significant unknowns exist regarding the specific regulatory environment and data residency requirements, which could introduce complexities for a financial services company operating globally. The vendor relationships data is somewhat contradictory ('Total Vendors: 0' vs. listed vendor countries), but assuming there are vendors across 6 unique countries, this suggests a moderate level of vendor diversity. The exact number of vendors and the associated vendor lock-in risk remain unknown, which are critical factors for migration planning. Despite these unknowns, Klarna's strong technical foundation points to a very high level of migration readiness.
Financials
Three-year financials
- 2025: revenue USD 3.51B, EBIT USD -230M, equity USD 2.51B
- 2024: revenue USD 2.81B, EBIT USD -121M, equity USD 2.09B
- 2023: revenue USD 2.28B, EBIT USD -323M, equity USD 2.20B
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