Klarna

Klarna is Europe's most valuable private fintech company, offering buy-now-pay-later services, direct payments, and post-purchase financing to over 150 million consumers and 500,000 merchants globally. As a Swedish-founded alternative to American payment giants, Klarna demonstrates that European companies can build globally competitive financial infrastructure and consumer platforms. Its AI-driven approach to credit assessment and its growing banking license footprint across Europe make it a strategic asset in the push toward sovereign European payment rails.