TOP 10 – BNPL PROVIDERS

CEO: SEBASTIAN SIEMIATKOWSKI FOUNDED: 2005

Klarna is the undisputed leader of the BNPL world, having evolved from a payment provider into a global retail bank with more than 150 million active users. In 2025, Klarna reported a gross merchandise volume of US $ 127.9bn, processing ~ 3.4 million transactions daily. It offers a diverse suite of products – including Pay in 30 days, Pay in 3 and traditional financing – across 26 different global markets. The true innovation of Klarna lies in its recent pivot towards AI and its evolution into a super-app. Its AI assistant now handles the workload of 700 full-time agents, managing customer service and refunds with higher accuracy and speed. This techfirst approach has allowed Klarna to return to profitability while expanding its shopping capabilities, which now include AI-powered image search. By bridging the gap between a bank and a shopping companion, Klarna remains the most successful and innovative BNPL giant in the market today.

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50 July 2026